Life happens, so everyone from every walk of life needs an easy-access rainy day account.

Business Savings

Life happens, so everyone from every walk of life needs an easy-access rainy day account.
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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.
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Business Savings

Regular Savings - Every dollar counts.

Watch your balance grow over time in this basic savings account.

  • Dividend-earning
  • Easy access to funds
  • May be used for overdraft protection

Business Certificates - Short and long-term solutions.

Earn maximum returns on your deposits for designated periods of time.

  • Low $500 minimum deposit
  • Early access to penalties
  • Flexible terms starting at 6 months
Business Savings
Business Savings

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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