Schedule an Appointment Icon
Appointments
Merchant Services
Features
Rates
Custom Quote
Resources

Merchant Services

Reach out to a business services representative today
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.

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.

Get Pre-Qualified with a PAL

With a Pre-Approved Loan (PAL) check you enjoy the purchase power you need to make your next auto buying experience a breeze.
Quill Icon
1. Apply Online
Submit an application online, in person, or over the phone.
Check Icon
2. Get approved
Receive your loan documents in-branch or via next day mail.
Documents Icon
3. Sign your PAL check
Just make the check payable to the dealer!
Auto Loans Icon
4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
Apply for an Auto Loan
Merchant Services

Merchant Services

Ready to reduce your monthly credit card processing fees?

Accept payments from customers with our easy Merchant Services system.

  • Accept all payment types including: credit, debit and digital wallet payments – including CHIP/EMVcards and Apple Pay.
  • Innovative payment solutions including all-in-one wireless smart terminals, mobile and tablet-based payments.
  • Get paid fast with same day and next day funding.
  • Protect your business with data security solutions that help keep your payments and business protected from fraud.
Apple Store App iconGoogle Play app icon

Online/Mobile Banking

Access Accounts Anywhere Anytime!

Our digital banking platform provides easy access to your business account in the palm of your hand or on your laptop.

  • Bill pay
  • Mobile deposit
  • Funds transfer
  • Person-to-person payments
Merchant Services
Merchant Services

Payroll - Coming Soon!

Make payday pain free!

Save time and money with our accurate, affordable and personalized payroll services:

  • Payroll designed for you – multiple input and processing options; ability to report payroll by phone, fax or Internet
  • Enhanced employee benefits – choose from HR and Benefits Administration Services for Section 125

To learn more, contact a Business Services representative.

Remote Check Deposit

Mobile or Office

With our remote deposit features, you can deposit checks right from your desk! Simply scan your checks and the deposit is recorded to your account.

  • Convenience - deposit checks when and where you want
  • Efficient - saves time preparing large deposits
  • Improved cash flow - checks are deposited quicker and certain deposits may qualify for funds available sooner 
  • Use our mobile app to make deposits on the go
  • Coming soon - office check scanners for bulk deposits

For information on system requirements and other details, contact our Business Banking Representatives.

Merchant Services
Merchant Services
Rates as of current date

Vehicle Loan Rates3

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
5.45%
Terms
36
Est. Monthly Payment
$30.17
APR* as low as
6.05%
Terms
48
Est. Monthly Payment
$23.51
APR* as low as
6.35%
Terms
60
Est. Monthly Payment
$19.50
APR* as low as
6.65%
Terms
72
Est. Monthly Payment
$16.88
APR* as low as
7.15%
Terms
84
Est. Monthly Payment
$15.17
APR* as low as
7.65%
Terms
96
Est. Monthly Payment
$13.96
Used Vehicles
APR* as low as
6.25%
Terms
36
Est. Monthly Payment
$30.54
APR* as low as
6.45%
Terms
48
Est. Monthly Payment
$23.69
APR* as low as
6.75%
Terms
60
Est. Monthly Payment
$19.68
APR* as low as
7.05%
Terms
72
Est. Monthly Payment
$17.07
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
8.50%
APR* as low as
8.50%
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
6.125%
APR* as low as
6.172%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
7.500%
APR* as low as
7.551%
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
7.375%
APR* as low as
7.426%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
7.125%
APR* as low as
7.190%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
7.000%
APR* as low as
7.081%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.625%
APR* as low as
6.737%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.875%
APR* as low as
7.927%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
3.93%
Minimum Balance to Open
4.00%
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*
3.88%
Minimum Balance to Open
3.95%
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*
3.93%
Minimum Balance to Open
4.00%
Minimum Balance to Open
$500
Share 12 months
APY*
4.410%
Minimum Balance to Open
4.50%
Minimum Balance to Open
$500
Share 24 months
APY*
3.88%
Minimum Balance to Open
3.95%
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
mbadio@spectracu.com
(301) 749-4806

Disclosures

Ready to build a more vibrant future?

Open Account
Apply for Loan
Spectra Logo

5440 Cherokee Ave, Ste 200
Alexandria, VA 22312-2321

(301) 839-8400
(800) 526-6661
Routing/ABA # 254075043
NMLS# 491160
Products
Convenience
About
Other
Convenience
Contact UseServicesSchedule an AppointmentCard Travel Notifications
About
Our StoryNews & EventsCareersAwardsPress
Other
Privacy Policy
& DisclosuresSAFE Act & NMLS Numbers
AccessibilityYour Rights Under Title VI
Follow us
Download mobile app
created by The Pod

Federally Insured by the NCUA. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Equal Housing Lender Logo

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