Business Loans
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Business Loans

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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!
Apply Now

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Get Pre-Qualified with a PAL

With a Pre-Approved Loan (PAL) check you enjoy 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, in person, or over the phone.
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2. Get approved
Receive your loan documents in-branch or via next day mail.
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3. Sign your PAL check
Just make the check payable to the dealer!
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4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
Apply for an Auto Loan
Business Loans

Commercial Real Estate

Stop paying rent; start building your future.

Are you ready to stop signing leases and get a new lease on your business life? We’re ready to finance your headquarters!

  • Custom options to fit your needs
  • Amortizations up to 25 years
  • Loan to Value up to 80%
Apply for a Commercial Real Estate Loan
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Business Secured Loans

Borrow to buy what your business needs.

Need a company truck or piece of equipment? We offer a variety of low-rate loans to meet your business’s needs.

  • Flexible products to meet your business needs
  • Multiple financing options for equipment, vehicles, and working capital
  • Short and long-term financing available
Apply for a Business Secured Loan
Business Loans
Business Loans

Business Lines of Credit

Every business needs a lifeline every now and then.

This unsecured line of credit provides quick and easy access to funds to help with cash-flow needs.

  • Low rates and flexible terms
  • Overdraft protection on your business checking account without an overdraft fee.
Apply for a Business Line of Credit
Business Loans
Business Loans

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Auto Loan - New Vehicle
APR*
4.40%
Terms
Up to 84
Est. Monthly Payment
$14.66 - $29.70
Auto Loan - Used Vehicle
APR*
5.20%
Terms
Up to 72
Est. Monthly Payment
$18.68 - $30.06
Boat
APR*
6.50%
Terms
Up to 240
Est. Monthly Payment
$9.35 - $30.65
Recreational Vehicle
APR*
6.25%
Terms
Up to 240
Est. Monthly Payment
$9.19 - $30.54

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR*
8.99%
Terms
Up to 60
Line of Credit
APR*
12.00%
Terms
N/A
Share & Certificate Secured Loan
APR*
Current +2%
Terms
N/A
Home Improvement Loan
APR*
10.99%
Terms
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
0.65%
APY*
0.65%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.80%
APY*
0.80%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
1.00%
APY*
1.00%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.20%
APY*
1.20%
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
0.65%
APY*
0.65%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.65%
APY*
0.65%
Minimum Balance to Open
None
Brilliant Kids Savings
Dividend Rate
10.00%
APY*
10.38%
Minimum Balance to Open
$5.00

Home Equity Rates

Loan Type
Term (Years)
Rate
APR*
Variable Home Equity Line of Credit
Term (Years)
up to 25
Rate as low as
8.50%
APR*
8.50%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
8.40%
APR*
8.40%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
9.50%
APR*
9.50%
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
6.125%
APR*
6.172%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
5.625%
APR*
5.686%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
5.250%
APR*
5.327%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
5.250%
APR*
5.359%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
6.625%
APR*
6.674%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
2.00%
Minimum Balance to Open
2.02%
Minimum Balance to Open
$500
IRA 12 months
APY*
2.85%
Minimum Balance to Open
2.89%
Minimum Balance to Open
$500
IRA 24 months
APY*
3.00%
Minimum Balance to Open
3.04%
Minimum Balance to Open
$500
IRA 36 months
APY*
3.30%
Minimum Balance to Open
3.35%
Minimum Balance to Open
$500
Share 06 months
APY*
2.00%
Minimum Balance to Open
2.02%
Minimum Balance to Open
$500
Share 12 months
APY*
2.85%
Minimum Balance to Open
2.89%
Minimum Balance to Open
$500
Share 24 months
APY*
3.00%
Minimum Balance to Open
3.04%
Minimum Balance to Open
$500
Share 36 months
APY*
3.30%
Minimum Balance to Open
3.35%
Minimum Balance to Open
$500
Share 48 months
APY*
3.40%
Minimum Balance to Open
3.45%
Minimum Balance to Open
$500
Share 60 months
APY*
3.50%
Minimum Balance to Open
3.56%
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.

Interested in learning more? We’d love to speak with you.

Fill out our form and a representative from Spectra Investment Services will be in touch as soon as possible.
Contact

Horace Daniel ChFEBC, CRPC
conferred by College for Financial Planning
LPL Financial Advisor
‍(301) 839-8826

‍Madea Badio
Program Coordinator
mbadio@spectracu.com
(301) 749-4806

Disclosures

*APR =Annual Percentage Rate

‍

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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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