Spectra Credit Union | VA MD DC

Fraud Alert: Beware of fraudulent calls and text messages claiming fraud on your account or card. Do not click any links or share your online banking username, password, or secure access code. Hang up immediately and contact Spectra Credit Union at (800) 526-6661 to protect your account. Stay vigilant—fraudsters aim to access your account and steal funds.

Featured Rates

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Brilliant Kids Savings

*APR = Annual Percentage Rate. *APY = Annual Percentage Yield.
**On first $1,000.

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

Woman using telescope at sunset.

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 find better, faster, and stronger solutions to empower your financial well-being.

Brilliant solutions built for your goals.

Buy a Home

Your house is the backdrop of your memories! Unlock your future today.

Apply for Home Loan

Build Your Savings

We offer a range of deposit products to meet your financial needs.

Plan for the Future

Dreaming of relaxation? Planning for a third act? We’re here to help.

Buy a Car

Pick a color, pick a payment! We put you in the driver’s seat.

Apply for Auto Loan

Open a Credit Card

Rewards? Cash back? Low rates? Yes, we offer all the options.

Request Credit Card

Save for College

Your child’s future is filled with possibilities. Save today for a brighter tomorrow.

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.

House

Conventional Mortgage

Your rate and payments remain the same for the life of your loan, even if market 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

Apply for a Mortgage Learn More

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 $806,500
Locked-in payments and rates

Apply for a Mortgage Learn More

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 after that based on market conditions

Apply for a Mortgage Learn More

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, purchases, and refinances
Completion of first-time homebuyer’s class is required

Apply for a Mortgage Learn More

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

Apply for a Mortgage Learn More

News & Events

We walk the walk! We give the talks! We’re out and about in our community.

Social Security and Retirement

New In-Branch Experience: Learn More About IDCheck

Three Transitions to Retirement

Understanding Your Rollover Options

The Road to Retirement

Repaying Student Loans