Business Savings
Features
Rates
Custom Quote
Resources

Business Savings

Life happens, so everyone from every walk of life needs an easy-access rainy day account.
Apply for LoanApply for a MortgageApply for Credit Card

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
Check Icon
Quick Results
Speedy turnaround time – fast approval decisions!
Apply Now

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.
Quill Icon
1. Apply Online
Submit an
application online.
Check Icon
2. Get approved
We'll contact you to review
your application
Documents Icon
3. Send Documents
Provide necessary documents to
complete the application.
Auto Loans Icon
4. Find & buy a new car
We'll send you the fund to
buy your new car.
Apply for an Auto Loan
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
Apple Store App iconGoogle Play app icon

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
Business Savings
Business Savings

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Auto Loan
APR*
2.99%
Terms
Up to 84
Est. Monthly Payment
$13.85 - $29.08
Recreational Vehicle
APR*
4.99%
Terms
Up to 240
Est. Monthly Payment
$29.97

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR*
7.35%
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*
6%
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
0.30%
APY*
0.30%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.50%
APY*
0.50%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
0.55%
APY*
0.55%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
0.65%
APY*
0.65%
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
0.25%
APY*
0.25%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.25%
APY*
0.25%
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
6.750%
APR*
6.799%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.125%
APR*
6.204%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.250%
APR*
7.300%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.625%
APR*
6.689%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.125%
APR*
6.236%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
1.00%
Minimum Balance to Open
1.00%
Minimum Balance to Open
$500
IRA 12 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
IRA 24 months
APY*
1.60%
Minimum Balance to Open
1.61%
Minimum Balance to Open
$500
IRA 36 months
APY*
1.95%
Minimum Balance to Open
1.97%
Minimum Balance to Open
$500
Share 06 months
APY*
1.00%
Minimum Balance to Open
1.00%
Minimum Balance to Open
$500
Share 12 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
Share 24 months
APY*
1.60%
Minimum Balance to Open
1.61%
Minimum Balance to Open
$500
Share 36 months
APY*
1.95%
Minimum Balance to Open
1.97%
Minimum Balance to Open
$500
Share 48 months
APY*
2.05%
Minimum Balance to Open
2.07%
Minimum Balance to Open
$500
Share 60 months
APY*
2.25%
Minimum Balance to Open
2.27%
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) 839-8400 ext. 4806

Disclosures

You are about to leave our secure website.

Spectra CU is not responsible for the overall website content, security, or privacy policies on third-party sites. This is just a kind reminder to consult their policies for more information.

Continue
Cancel