Business Credit Cards
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Business Credit Cards

The right card for your business. Right now.
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We work around you.

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.

Online Application
Online user-friendly application to help you gather and upload documents
Go at Your Own Pace
Start and save your application to finish at your convenience
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Quick Results
Speedy turnaround time – fast approval decisions!
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The Spectra Investment Services program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit cunabrokerage.com. Check the background of this firm or your financial professional on FINRA's BrokerCheck.

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 an Auto Loan
Business Credit Cards

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back, or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools
  • No fee for additional employee cards
  • Mobile payment capability for added convenience
  • Zero fraud liability.1 You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year

‍Learn More and Apply

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Business Credit Cards
Business Credit Cards
Business Credit Cards
Business Credit Cards

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
4.99%
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
7.35%
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 (Years)
up to 25
Rate as low as
5.00%
APR*
5.00%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
5.40%
APR*
5.40%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
5.50%
APR*
5.50%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
5.250%
APR*
5.295%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
4.500%
APR*
4.575%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
5.750%
APR*
5.796%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Share 6 months
APY*
.40%
Minimum Balance to Open
.40%
Minimum Balance to Open
$500
Share 12 months
APY*
.55%
Minimum Balance to Open
.55%
Minimum Balance to Open
$500
Share 24 months
APY*
.65%
Minimum Balance to Open
.65%
Minimum Balance to Open
$500
Share 36 months
APY*
.75%
Minimum Balance to Open
.75%
Minimum Balance to Open
$500
Share 48 months
APY*
.90%
Minimum Balance to Open
.90%
Minimum Balance to Open
$500
Share 60 months
APY*
1.00%
Minimum Balance to Open
1.00%
Minimum Balance to Open
$500
IRA 12 months
APY*
.55%
Minimum Balance to Open
.55%
Minimum Balance to Open
$500
IRA 24 months
APY*
.65%
Minimum Balance to Open
.65%
Minimum Balance to Open
$500
IRA 36 months
APY*
.75%
Minimum Balance to Open
.75%
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

Disclosures

1Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from VISA U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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5440 Cherokee Ave, Ste 200
Alexandria, VA 22312-2321

(301) 839-8400
(800) 526-6661
Routing/ABA # 254075043
NMLS# 491160
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