A spectrum of low-rate auto loans for every occasion.

Auto Loans

A spectrum of low-rate auto loans for every occasion.
Apply for LoanApply for a MortgageApply for Credit Card

How to Get Pre-Qualified

We'll provide you with 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.
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2. Get approved
We'll contact you to review your application.
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3. Send Documents
Provide necessary documents to complete the appliction.
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4. Find & buy a new car
We'll send you the funds to buy your new car.
Apply for Auto Loan
Auto Loans

New & Used Vehicles

Got your eye on a car, hybrid, truck, van, or motorcycle? Check out our eye-catching rates on new and used vehicles and apply for an auto loan today.

  • Low, fixed rates
  • No payments for 90 days2
  • Repayment terms starting at 36 months
  • AND no credit required

  • Apply for an Auto Loan

    First-Time Auto Buyers

    Buying your first car shouldn’t be stressful. Our deals will make you feel as good as your first ride.

  • Low, fixed rates
  • No money down
  • No payments for 90 days2
  • Loan amounts up to $35,000
  • Flexible repayment terms

  • Apply for an Auto Loan

    Auto Loans

    Recreational Vehicles (RV)

    What floats your boat? We have loans for a wide variety of recreational vehicles, including RVs, campers, jet skis, —and yes, boats.

    • Great low rates
    • Flexible repayment terms available

    Apply for a Recreational Loan

    Car Buying Service

    Discover a hassle-free experience with our Car Buying Service powered by TRUECar®.

    • Easily research the make and model of the car you’re looking for
    • Get fast pre-approval
    • Guaranteed savings3
    • Members receive an average savings of $3,552 of MSRP4
    How it works:
    1. Get pre-approved.
      Apply online, over the phone, or visit any of our branches.
    2. Start Your Search.
      Visit our Car Buying Service website or start below to save time and money with a hassle-free deal.

    Find Your Dream Car Today

    Auto Loans

    Vehicle Loan Rates4

    Loan Type
    APR* as low as
    Term (Months)
    Est. Monthly Payment
    (per $1,000 Financed)
    Auto Loan
    Dividend Rate
    2.49%
    APY*
    Up to 84
    Minimum Balance to Open
    $21.40 - $86.50
    Recreational Vehicle
    Dividend Rate
    3.49%
    APY*
    Up to 240
    Minimum Balance to Open
    $9.16 - $30.42

    Personal Loan Rates

    Loan Type
    APR* as low as
    Term (Months)
    Personal Loan
    Dividend Rate
    7.00%
    APY*
    Up to 60
    Line of Credit
    Dividend Rate
    12.00%
    APY*
    N/A
    Share & Certificate Secured Loan
    Dividend Rate
    Current +2%
    APY*
    N/A
    Home Improvement Loan
    Dividend Rate
    6%
    APY*
    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
    0.15%
    APY*
    0.15%
    Minimum Balance to Open
    $2,500 - $49,999.99
    Money Market
    Dividend Rate
    0.25%
    APY*
    0.25%
    Minimum Balance to Open
    $50,000 - $99,999.99
    Money Market
    Dividend Rate
    0.30%
    APY*
    0.30%
    Minimum Balance to Open
    $100,000 - $249,999.99
    Money Market
    Dividend Rate
    0.35%
    APY*
    0.35%
    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
    0.15%
    APY*
    0.15%
    Minimum Balance to Open
    None
    Roth / Traditional IRA Share
    Dividend Rate
    0.20%
    APY*
    0.20%
    Minimum Balance to Open
    None

    Home Equity Rates

    Loan Type
    Term (Years)
    Rate
    APR*
    Variable Home Equity Line of Credit
    Term (Months)
    up to 25
    Rate as low as
    3.25% (prime rate)
    APR*
    3.25%
    Fixed Home Equity Line of Credit
    Term (Months)
    up to 15
    Rate as low as
    4.25%
    APR*
    4.25%
    Fixed Home Equity Loan
    Term (Months)
    up to 20
    Rate as low as
    2.99%
    APR*
    2.99%
    Get a Personalized Quote

    Mortgage Rates

    Loan Type
    Term (Years)
    Points
    Rate
    APR*
    Conventional Mortgage
    Term (Years)
    30
    Points
    0.00
    Rate
    3.0%
    APR*
    3.039%
    Conventional Mortgage
    Term (Years)
    15
    Points
    0.00
    Rate
    2.5%
    APR*
    2.571%
    First-Time Homebuyer
    Term (Years)
    30
    Points
    0.00
    Rate
    3.5%
    APR*
    3.540%
    Get a Personalized Quote
    Credit card rates icon

    Credit Card Rates

    Certificates

    Deposit Type
    Dividend Rate
    APY*
    Minimum Balance to Open
    Share 6 months
    APY*
    .30%
    Minimum Balance to Open
    .30%
    Minimum Balance to Open
    $500
    Share 12 months
    APY*
    .40%
    Minimum Balance to Open
    .40%
    Minimum Balance to Open
    $500
    Share 24 months
    APY*
    .45%
    Minimum Balance to Open
    .45%
    Minimum Balance to Open
    $500
    Share 36 months
    APY*
    .50%
    Minimum Balance to Open
    .50%
    Minimum Balance to Open
    $500
    Share 48 months
    APY*
    .60%
    Minimum Balance to Open
    .60%
    Minimum Balance to Open
    $500
    Share 60 months
    APY*
    .65%
    Minimum Balance to Open
    .65%
    Minimum Balance to Open
    $500
    IRA 12 months
    APY*
    .40%
    Minimum Balance to Open
    .40%
    Minimum Balance to Open
    $500
    IRA 24 months
    APY*
    .45%
    Minimum Balance to Open
    .45%
    Minimum Balance to Open
    $500
    IRA 36 months
    APY*
    .50%
    Minimum Balance to Open
    .50%
    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.
    Contact

    Horace Daniel, CRPC® ChFEB
    Financial Advisor
    (301) 839-8826

    Marsha Scott
    mscott@spectracu.com
    (301) 839-8400 ext. 4806

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