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 appliction.
Auto Loans Icon
4. Find & buy a new car
We'll send you the funds to buy your new car.
Apply for Auto Loan
Business Secured 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

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 Secured 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 Secured Loans

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

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