Launch Your Financial Evolution!

Financial Education

Launch Your Financial Evolution!
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1. Apply Online
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2. Get approved
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Provide necessary documents to complete the appliction.
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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.

MoneyEdu

Self-paced online courses that help you succeed through personalized financial education. Access a library of featured topics such as an Introduction to Budgeting, Credit Reports and Scores, Financial Health, and more. Plus, complete learning experiences on over a dozen topics such as Buying a Car, Financial Basics, Paying for College, Budget Basics, and so much more!

Get Started

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

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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