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Financial Education

Launch Your Financial Evolution!
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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.

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Online user-friendly application to help you gather and upload documents
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Start and save your application to finish at your convenience
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Speedy turnaround time – fast approval decisions!
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Since no two paths are alike, there is no cookie-cutter solution to investments and retirement planning. At Spectra Investment Services, we believe your investment and retirement plans should be as unique as the path you took to get here.

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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
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4. Drive away in a new car
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Financial Education

My Financial Evolution

No matter where you are on the financial spectrum, you’ll find a platform designed for you! Choose from the three options available to help you grow toward financial freedom: Self-paced online platform, a gamified app that pays you to learn, and virtual money management workshops.

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Banzai

Self-paced online courses, articles, and topics that help you succeed through personalized financial education. Access libraries and complete learning experiences on over a dozen topics such as:

  • Savings
  • Budgeting
  • Insurance
  • Retirement
  • Taxes
  • Life-changing events
  • and so much more!

Get Started

Financial Education
Financial Education

Zogo

Zogo is a gamified financial literacy app that rewards users for completing bite-sized financial literacy lessons on intelligently saving, spending, and managing their money. The app includes nearly 300 bite-sized, action-based modules on 20 different topics, from opening a bank account to saving for retirement — and everything in between.

By completing modules, taking interactive five-question quizzes, and participating in daily trivia games, users earn virtual “pineapples” and work toward real-life rewards — like a $5 gift card to one of their favorite stores!

Use code SPECTRA when you create your account.

Download on the App Store

Get it on Google Play

Seminars/Webinars

Coming soon!

Whether it’s an in-person event or via online workshops, you’ll enjoy access to a consumer education expert who will guide you on your journey toward financial freedom. Topics range from general money management to first-time homebuying to starting a small business.

Financial Education
Financial Education
Financial Education
Rates as of current date

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
4.95%
Terms
36
Est. Monthly Payment
$29.95
APR* as low as
5.55%
Terms
48
Est. Monthly Payment
$23.28
APR* as low as
5.85%
Terms
60
Est. Monthly Payment
$19.26
APR* as low as
6.15%
Terms
72
Est. Monthly Payment
$16.64
APR* as low as
6.65%
Terms
84
Est. Monthly Payment
$14.92
APR* as low as
7.15%
Terms
96
Est. Monthly Payment
$13.71
Used Vehicles
APR* as low as
5.75%
Terms
36
Est. Monthly Payment
$30.31
APR* as low as
5.95%
Terms
48
Est. Monthly Payment
$23.46
APR* as low as
6.25%
Terms
60
Est. Monthly Payment
$19.45
APR* as low as
6.55%
Terms
72
Est. Monthly Payment
$16.83
Boat Loans
APR* as low as
8.50%
Terms
Up to 120
Est. Monthly Payment
$13.80 - $31.57
Recreational Vehicle Loans
APR* as low as
8.25%
Terms
Up to 120
Est. Monthly Payment
$13.66 - $31.45

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR* as low as
10.50%
Terms
Up to 72
Line of Credit
APR* as low as
12.75%
Terms
N/A
Share & Certificate Secured Loan
APR* as low as
Current +2%
Terms
N/A
Home Improvement Loan
APR* as low as
12.00%
Terms
Up to 180

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
0.85%
APY*
0.85%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
1.10%
APY*
1.10%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
1.35%
APY*
1.35%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
1.50%
APY*
1.50%
Minimum Balance to Open
$250,000+

Savings Rates

Deposit Type
Dividend Rate
APY*
Min. Balance to Open
Term (Months)
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Term
None
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Term
None
Coverdell ESA
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Roth / Traditional IRA Share
Dividend Rate
0.85%
APY*
0.85%
Minimum Balance to Open
None
Term
None
Brilliant Kids Savings
Dividend Rate
10.00%
APY*
10.38%**
Minimum Balance to Open
$5.00
Term
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
8.00%
APR* as low as
8.00%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
11.50%
APR* as low as
11.50%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
12.50%
APR* as low as
12.50%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
3/1 ARM
Term (Years)
30
Points
0.00
Rate
5.000%
APR* as low as
5.044%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
6.875%
APR* as low as
6.924%
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
6.875%
APR* as low as
6.924%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.500%
APR* as low as
6.564%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.250%
APR* as low as
6.329%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.125%
APR* as low as
6.236%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.375%
APR* as low as
7.426%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
3.69%
Minimum Balance to Open
3.75%
Minimum Balance to Open
$500
IRA 12 months
APY*
4.410%
Minimum Balance to Open
4.50%
Minimum Balance to Open
$500
IRA 24 months
APY*
4.17%
Minimum Balance to Open
4.25%
Minimum Balance to Open
$500
IRA 36 months
APY*
3.88%
Minimum Balance to Open
3.95%
Minimum Balance to Open
$500
Share 06 months
APY*
3.69%
Minimum Balance to Open
3.75%
Minimum Balance to Open
$500
Share 12 months
APY*
4.410%
Minimum Balance to Open
4.50%
Minimum Balance to Open
$500
Share 14 months (Special Offer)**
APY*
4.94%
Minimum Balance to Open
5.05%
Minimum Balance to Open
$500
Share 24 months
APY*
4.17%
Minimum Balance to Open
4.25%
Minimum Balance to Open
$500
Share 36 months
APY*
3.88%
Minimum Balance to Open
3.95%
Minimum Balance to Open
$500
Share 48 months
APY*
3.78%
Minimum Balance to Open
3.85%
Minimum Balance to Open
$500
Share 60 months
APY*
3.74%
Minimum Balance to Open
3.80%
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
[email protected]
(301) 749-4806

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