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.
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Since no two paths are alike, there is no cookie-cutter solution to investments and retirement planning. At Spectra Investment Services, we believe your investment and retirement plans should be as unique as the path you took to get here.
This account establishes your membership and will always be available as a savings resource to you.
Set aside funds for special occasions
College will be here—for you and your children—before you know it. Save for it with the targeted Coverdell ESA (education savings account) that enables you to:
Enjoy the security of a specified rate for a specified time.
Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
(301) 839-8826
Madea Badio
Program Coordinator
[email protected]
(301) 749-4806
*APY = Annual Percentage Yield
For all deposit accounts other than term share certificates:
Fees could reduce the earnings on the account
Rates may change after the account is opened
Dividends will be compounded monthly and will be credited to the account monthly.
Spectra reserves the right to change rates at any time without further notice.
For Basic Savings:
Minimum balance to earn dividends is $5.00
For All other savings, IRA, and Club accounts:
Minimum balance to earn stated dividends is $0.00
For all Share Certificates:
Fees may reduce the earnings on the account
Minimum balance required to open the account is $500
Minimum balance required to earn stated dividends is $500
A penalty may be imposed for early withdrawal
**14-Month Promotional Share Certificate: