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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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Home Grown Equity for whatever you need

Home Grown Equity for Whatever You Need

Home Grown Equity for Whatever You Need

Drive Toward a More Brilliant Future

New Deals on New Wheels. Get a 0.50% discount when you sign up for automatic payments.
Drive Toward a More Brilliant Future

Drive Toward a More Brilliant Future

New Deals on New Wheels. Get a 0.50% discount when you sign up for automatic payments.

Home Grown Equity for Whatever You Need

Home Grown Equity for Whatever You Need

Home Grown Equity for Whatever You Need

Drive Toward a More Brilliant Future

New Deals on New Wheels. Get a 0.50% discount when you sign up for automatic payments.
Drive Toward a More Brilliant Future

Drive Toward a More Brilliant Future

New Deals on New Wheels. Get a 0.50% discount when you sign up for automatic payments.

Choose from our array of Mortgage options.

House
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
Young happy couple with arms around each other as they take their new house keys from a realtor
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
Dad playfully pushing his children around in moving boxes in their new home
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
Happy hispanic family embracing in their home
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
Man in wheelchair shakes hand of another man while family gathers around and smiles in front of a house.
Government Mortgage

We offer a variety of government mortgages to help make home ownership a reality throughout our communities. With competitive options and financial assistance programs available, we’re making homes more affordable for you!

  • Veterans Administration (VA) Loans
  • Federal Housing Administration (FHA) Loans
  • Virginia Housing Development Authority (VHDA) Loans
Corporate Social Responsibility

How we're making an impact

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