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Spectra Investment Services

Everyone's path in life is different.
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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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Quick Results
Speedy turnaround time – fast approval decisions!
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Check the background of this firm or your financial professional on FINRA's BrokerCheck.

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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Spectra Investment Services

Meet Your Advisor

Horace Daniel is a financial advisor with LPL Financial and has worked in the financial services industry for over twenty years. His past experience provides him with the expertise to help his clients break down the intimidating barriers of complexity, fear, and access, and then show them how to seek growth for their assets, generate income, and leave a legacy for future generations.

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Investment Strategies

Options to help you save for the future.

  • IRA
  • Mutual funds
  • Managed accounts
  • Annuities
  • Stocks & bonds

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Spectra Investment Services
Spectra Investment Services

Insurance Strategies

Alternatives to help protect those you love.

  • Life insurance
  • Long-term care
  • Annuities

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Preparing for Your Future

It’s never too late to plan. Start today.

  • Saving for retirement
  • Living in retirement
  • Saving for college

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Spectra Investment Services
Spectra Investment Services
Spectra Investment Services
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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
7.75%
APR* as low as
7.75%
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
5.250%
APR* as low as
5.295%
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
7.000%
APR* as low as
7.050%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.875%
APR* as low as
6.940%
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
7.500%
APR* as low as
7.551%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
3.45%
Minimum Balance to Open
3.50%
Minimum Balance to Open
$500
IRA 12 months
APY*
3.93%
Minimum Balance to Open
4.00%
Minimum Balance to Open
$500
IRA 24 months
APY*
3.69%
Minimum Balance to Open
3.75%
Minimum Balance to Open
$500
IRA 36 months
APY*
3.40%
Minimum Balance to Open
3.45%
Minimum Balance to Open
$500
Share 06 months
APY*
3.45%
Minimum Balance to Open
3.50%
Minimum Balance to Open
$500
Share 12 months
APY*
3.93%
Minimum Balance to Open
4.00%
Minimum Balance to Open
$500
Share 24 months
APY*
3.69%
Minimum Balance to Open
3.75%
Minimum Balance to Open
$500
Share 36 months
APY*
3.40%
Minimum Balance to Open
3.45%
Minimum Balance to Open
$500
Share 48 months
APY*
3.30%
Minimum Balance to Open
3.35%
Minimum Balance to Open
$500
Share 60 months
APY*
3.25%
Minimum Balance to Open
3.30%
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

Spectra Credit Union provides referrals to financial professionals of LPL Financial LLC (*LPL) pursuant to an agreement that allows LPL to pay Spectra Credit Union for these referrals. This creates an incentive for Spectra Credit Union to make these referrals, resulting in a conflict of interest. Spectra Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Spectra Credit Union and Spectra Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Spectra Investment services, and may also be employees of Spectra Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Spectra Credit Union or Spectra Investment Services. Securities and insurance offered through LPL or its affiliates are:‍

‍

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

‍

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

LPL Financial Form CRS

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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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