About Online Banking

Spruce Credit Union's Online Banking system puts you in direct control of your personal and business financial transactions.  Providing 24 hour secure access, it gives you your financial information on demand, at your fingertips, from the convenience of a home, office, coffee shop, airlplane - pretty much wherever you happen to be with access to the internet! 


Spruce Online Banking allows you to:

  • Check account balances and statements
  • Search account activity by transaction type from previous year
  • Set up and pay bills
  • Transfer money to other Spruce accounts
  • Apply for Spruce Credit Union banking, borrowing, and investing products
  • Calculate loan, mortgage, and income information using Tools and Calculators


To sign up, simply stop by a Spruce Credit Union branch to select a private Personal Access Code (PAC), and get instant access to your money's world. 

Increased Authentication

Increased Authentication provides an additional layer of security to the login process. This feature requires you to select three security questions.

How it works

When you log into online banking from a computer that is not registered as trusted, you will have to enter your account credentials. You will then need to answer one of your three security questions.

Registering your computer for faster logins

You can speed up the login process by opting to register your computer. When you log in from a registered computer, you don't have to answer a security question.

Registering your home or personal computer is highly recommended for faster logins. You should not register shared or public computers.

Cookies are used to identify registered computers. If you clear your cookies, you will have to re-register your computer.