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Personal Loans

Just imagine the possibilities with these “whatever-you-need” loans.
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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
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Quick Results
Speedy turnaround time – fast approval decisions!
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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.
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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
Just make the check payable to the dealer!
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4. Drive away in a new car
We’ll confirm your purchase details and final loan info.
Apply for an 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 for a Personal Loan

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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 for a Personal Loan

Personal Loans
Personal Loans

Savings & Share Certificate 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 for a Personal Loan

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 for a Home Improvement Loan

Personal Loans
Personal Loans
Personal Loans
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
7.625%
APR* as low as
7.677%
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
6.375%
APR* as low as
6.438%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.375%
APR* as low as
6.454%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
5.875%
APR* as low as
5.986%
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*
4.650%
Minimum Balance to Open
4.75%
Minimum Balance to Open
$500
IRA 24 months
APY*
4.41%
Minimum Balance to Open
4.50%
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*
4.650%
Minimum Balance to Open
4.75%
Minimum Balance to Open
$500
Share 24 months
APY*
4.41%
Minimum Balance to Open
4.50%
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

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