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We work around you.

Whether you’re an early bird or a night owl, we provide business lending on your schedule. Our online loan portal reduces the application process timeline by 23 hours or more – saving you precious time to focus on running your company.

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Online user-friendly application to help you gather and upload documents
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Start and save your application to finish at your convenience
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Since no two paths are alike, there is no cookie-cutter solution to investments and retirement planning. At Spectra Investment Services, we believe your investment and retirement plans should be as unique as the path you took to get here.

Get Pre-Qualified with a PAL

With a Pre-Approved Loan (PAL) check you enjoy the purchase power you need to make your next auto buying experience a breeze.
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1. Apply Online
Submit an application online, in person, or over the phone.
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2. Get approved
Receive your loan documents in-branch or via next day mail.
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3. Sign your PAL check
Just make the check payable to the dealer!
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4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
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Credit Cards

Consumer Credit Cards

Choosing the right card is easier than ever. Whether you want to pay down balances faster, maximize cashback, earn rewards, or begin building your credit history, we have the ideal card for you!

  • Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.1 You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service is available 24 hours a day/365 days per year.
  • Plus much more!

Please visit your local branch or login to online banking to Learn More and Apply

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Rates as of current date

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
4.95%
Terms
36
Est. Monthly Payment
$29.95
APR* as low as
5.55%
Terms
48
Est. Monthly Payment
$23.28
APR* as low as
5.85%
Terms
60
Est. Monthly Payment
$19.26
APR* as low as
6.15%
Terms
72
Est. Monthly Payment
$16.64
APR* as low as
6.65%
Terms
84
Est. Monthly Payment
$14.92
APR* as low as
7.15%
Terms
96
Est. Monthly Payment
$13.71
Used Vehicles
APR* as low as
5.75%
Terms
36
Est. Monthly Payment
$30.31
APR* as low as
5.95%
Terms
48
Est. Monthly Payment
$23.46
APR* as low as
6.25%
Terms
60
Est. Monthly Payment
$19.45
APR* as low as
6.55%
Terms
72
Est. Monthly Payment
$16.83
Boat Loans
APR* as low as
8.50%
Terms
Up to 120
Est. Monthly Payment
$13.80 - $31.57
Recreational Vehicle Loans
APR* as low as
8.25%
Terms
Up to 120
Est. Monthly Payment
$13.66 - $31.45

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR* as low as
10.50%
Terms
Up to 72
Line of Credit
APR* as low as
12.75%
Terms
N/A
Share & Certificate Secured Loan
APR* as low as
Current +2%
Terms
N/A
Home Improvement Loan
APR* as low as
12.00%
Terms
Up to 180

Checking Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share Draft/Checking
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
None
Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$2,500
Money Market
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
1.10%
APY*
1.10%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
1.35%
APY*
1.35%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.50%
APY*
1.50%
Minimum Balance to Open
$250,000+

Savings Rates

Deposit Type
Dividend Rate
APY*
Min. Balance to Open
Term (Months)
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Term
None
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Term
None
Coverdell ESA
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Roth / Traditional IRA Share
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Brilliant Kids Savings
Dividend Rate
10.00%
APY*
10.38%
Minimum Balance to Open
$5.00
Term
None

Home Equity Rates

Loan Type
Term (Years)
Rate
APR*
Variable Home Equity Line of Credit
Term (Years)
up to 25
Rate as low as
7.50%
APR* as low as
7.50%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
11.50%
APR* as low as
11.50%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
12.50%
APR* as low as
12.50%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
3/1 ARM
Term (Years)
30
Points
0.00
Rate
5.375%
APR* as low as
5.420%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
7.000%
APR* as low as
7.050%
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
7.125%
APR* as low as
7.175%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
7.000%
APR* as low as
7.065%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.500%
APR* as low as
6.579%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.375%
APR* as low as
6.487%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.625%
APR* as low as
7.677%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
Dividend Rate
3.20%
APY*
3.25%
Minimum Balance to Open
$500
IRA 12 months
Dividend Rate
3.69%
APY*
3.75%
Minimum Balance to Open
$500
IRA 24 months
Dividend Rate
3.45%
APY*
3.50%
Minimum Balance to Open
$500
IRA 36 months
Dividend Rate
3.15%
APY*
3.20%
Minimum Balance to Open
$500
Share 06 months
Dividend Rate
3.20%
APY*
3.25%
Minimum Balance to Open
$500
Share 12 months
Dividend Rate
3.69%
APY*
3.75%
Minimum Balance to Open
$500
Share 24 months
Dividend Rate
3.45%
APY*
3.50%
Minimum Balance to Open
$500
Share 36 months
Dividend Rate
3.15%
APY*
3.20%
Minimum Balance to Open
$500
Share 48 months
Dividend Rate
3.06%
APY*
3.10%
Minimum Balance to Open
$500
Share 60 months
Dividend Rate
3.01%
APY*
3.05%
Minimum Balance to Open
$500

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra CU will be in touch as soon as possible.

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra Investment Services will be in touch as soon as possible.
Contact

Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
‍(301) 839-8826

‍Madea Badio
Program Coordinator
mbadio@spectracu.com
(301) 749-4806

Disclosures

1Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholders must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from VISA U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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5440 Cherokee Ave, Ste 200
Alexandria, VA 22312-2321

(301) 839-8400
(800) 526-6661
Routing/ABA # 254075043
NMLS# 491160
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