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Access to your funds for day-to-day life.
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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.

Online Application
Online user-friendly application to help you gather and upload documents
Go at Your Own Pace
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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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.
Apply for an Auto Loan
Free Checking

Enjoy worldwide access to your account 24/7.

  • Free! Absolutely no monthly service fee or balance requirement
  • Free e-Statements
  • Free first order of checks
  • Free VISA® DEBIT chip card 
  • Free bill pay, direct deposit, and remote deposit
  • Free overdraft protection from your savings accounts and/or with an overdraft line of credit

Open a Checking Account

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Money Market

Earn money while maintaining access to your funds.

  • Earn dividends1
  • Easy access to funds via check
  • Balances greater than $250,000 receive up to $250,000 in additional coverage through Excess Share Insurance Corporation, at no cost to you

Open a Money Market Account

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Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Auto Loan - New Vehicle
APR*
4.09%
Terms
Up to 84
Est. Monthly Payment
$14.51 - $29.56
Auto Loan - Used Vehicle
APR*
4.89%
Terms
Up to 72
Est. Monthly Payment
$18.52 - $29.92
Boat
APR*
6.00%
Terms
Up to 240
Est. Monthly Payment
$9.04 - $30.42
Recreational Vehicle
APR*
5.75%
Terms
Up to 240
Est. Monthly Payment
$8.88 - $30.31

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR*
8.99%
Terms
Up to 60
Line of Credit
APR*
12.00%
Terms
N/A
Share & Certificate Secured Loan
APR*
Current +2%
Terms
N/A
Home Improvement Loan
APR*
10.99%
Terms
Up to 120

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
0.45%
APY*
0.45%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.70%
APY*
0.70%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.01%
APY*
1.01%
Minimum Balance to Open
$250,000+

Savings Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Coverdell ESA
Dividend Rate
0.45%
APY*
0.45%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.45%
APY*
0.45%
Minimum Balance to Open
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
8.00%
APR*
8.00%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
7.75%
APR*
7.75%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
8.00%
APR*
8.00%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
6.250%
APR*
6.297%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
5.875%
APR*
5.937%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
5.750%
APR*
5.828%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
5.625%
APR*
5.735%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
6.750%
APR*
6.799%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
IRA 12 months
APY*
2.20%
Minimum Balance to Open
2.22%
Minimum Balance to Open
$500
IRA 24 months
APY*
2.75%
Minimum Balance to Open
2.78%
Minimum Balance to Open
$500
IRA 36 months
APY*
2.90%
Minimum Balance to Open
2.94%
Minimum Balance to Open
$500
Share 06 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
Share 12 months
APY*
2.20%
Minimum Balance to Open
2.22%
Minimum Balance to Open
$500
Share 24 months
APY*
2.75%
Minimum Balance to Open
2.78%
Minimum Balance to Open
$500
Share 36 months
APY*
2.90%
Minimum Balance to Open
2.94%
Minimum Balance to Open
$500
Share 48 months
APY*
3.00%
Minimum Balance to Open
3.04%
Minimum Balance to Open
$500
Share 60 months
APY*
3.10%
Minimum Balance to Open
3.14%
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

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