Just imagine the possibilities with these “whatever-you-need” loans.

Personal Loans

Just imagine the possibilities with these “whatever-you-need” loans.
Apply for LoanApply for a MortgageApply for Credit Card

How to Get Pre-Qualified

We'll provide you with 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.
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2. Get approved
We'll contact you to review your application.
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3. Send Documents
Provide necessary documents to complete the appliction.
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4. Find & buy a new car
We'll send you the funds to buy your new car.
Apply for Auto Loan
Personal Loans

Signature / Personal Loan1

Signature loans can be used for whatever you have in mind—from a new sofa to a new hip. Medical expenses, vacations, taxes, and debt consolidation—now anything’s possible with a low-rate loan.

  • Low fixed rates
  • Spread payments over time with terms to fit your needs

Apply Now

Line of Credit2

Oops—did you overestimate the amount in your checking account? Don’t worry. We’ve got your back, with a personal line of credit that offers coverage just when you need it.

  • Overdraft protection on your checking account without an overdraft fee
  • You don’t pay a cent until you access it.
  • Low fixed rates

Apply Now

Personal Loans

Savings & Credit Secured Loan3

Borrow against your own money at flexible terms you can choose yourself. Use your savings or certificates as collateral for a loan—and enjoy our lowest available rates.

  • Certificates may be used as collateral up to the maturity date of the certificates (the rate is fixed for the term).
  • Savings-secured loans are available up to the aggregate balance of primary and family savings accounts (rates are variable and can change quarterly as the regular savings rate changes)
  • Earn dividends on the savings balance you pledge over the term of the loan.
  • Flexible terms including longer term options

Apply Now

Home Improvement Loan4

No equity? No problem! Your home deserves some TLC.

  • Borrow up to $75,000 for home improvements
  • No equity required
  • No closing costs
  • Low fixed interest rate stays the same for the life of the loan
  • Insurance required for the full term of the loan

Apply Now

Personal 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

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