In observance of Memorial Day, all Spectra CU locations will be closed Monday, May 27th. 24/7 account access is available via online and mobile banking. We will resume regular business hours on Tuesday, May 28th.

Welcome to brilliant banking.

Welcome to brilliant banking.

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Informed by history. Inspired by possibility. Driven to Discover.

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Spectra Credit Union was founded by scientists at the Naval Research Laboratory. And while we may not explore galaxies or delve into the seas, they still inspire us to stay on a constant journey to find better, faster, stronger solutions to empower your financial well-being.

Brilliant solutions built for your goals.

Need a personalized solution?

We've got you covered. Give us a call or fill out our contact form and a representative will get in touch with you as soon as possible.

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Choose from our array of Mortgage options.

Conventional Mortgage

Your rate and payments remain the same for the life of your loan, even if rates rise.

Plus, you might be eligible to receive up to $15,000 in closing cost assistance. Ask us how!

  • Available for purchases or refinances
  • Loan amounts up to $1,000,000
  • Terms between 10 and 30 years
  • Jumbo mortgages also available
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First-Time Homebuyer

We’ll help make your first homebuying experience a breeze.

  • No money down
  • Loan amounts up to $726,200
  • Locked-in payments and rates
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3/1 ARM

3-year adjustable rate mortgages (ARM) are ideal for buyers who don’t plan on being in their home for more than three years. 

  • Lower initial rates
  • Rates are fixed for 36 months (3 years)
  • Adjusts yearly thereafter based on market conditions
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ITIN Mortgage

The dream of homeownership is possible for those with an individual taxpayer identification number (ITIN) mortgage.

  • 10/1 adjustable-rate mortgage (rate is fixed for the first 10 years)
  • Owner-occupied properties, purchase, and refinances
  • Completion of first-time homebuyer’s class is required
Corporate Social Responsibility

How we're making an impact

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