Personal Loans
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Rates
Custom Quote
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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!
Apply Now

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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 application.
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4. Find & buy a new car
We'll send you the fund to
buy your new car.
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

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Auto Loan
APR*
2.99%
Terms
Up to 84
Est. Monthly Payment
$13.85 - $29.08
Recreational Vehicle
APR*
4.99%
Terms
Up to 240
Est. Monthly Payment
$29.97

Personal Loan Rates

Loan Type
APR* as low as
Term (Months)
Personal Loan
APR*
7.35%
Terms
Up to 60
Line of Credit
APR*
12.00%
Terms
N/A
Share & Certificate Secured Loan
APR*
Current +2%
Terms
N/A
Home Improvement Loan
APR*
6%
Terms
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
0.30%
APY*
0.30%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.50%
APY*
0.50%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
0.55%
APY*
0.55%
Minimum Balance to Open
$100,000 - $249,999.99
Money Market
Dividend Rate
0.65%
APY*
0.65%
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
0.25%
APY*
0.25%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.25%
APY*
0.25%
Minimum Balance to Open
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
5.00%
APR*
5.00%
Fixed Home Equity Line of Credit
Term (Years)
up to 15
Rate as low as
5.40%
APR*
5.40%
Fixed Home Equity Loan
Term (Years)
up to 20
Rate as low as
5.50%
APR*
5.50%
Get a Personalized Quote

Mortgage Rates

Loan Type
Term (Years)
Points
Rates as Low as
APR* as Low as
Conventional Mortgage
Term (Years)
30
Points
0.00
Rate
6.750%
APR*
6.799%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.125%
APR*
6.204%
First-Time Homebuyer
Term (Years)
30
Points
0.00
Rate
7.250%
APR*
7.300%
Conventional Mortgage
Term (Years)
20
Points
0.00
Rate
6.625%
APR*
6.689%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.125%
APR*
6.236%
Get a Personalized Quote

Certificates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
IRA 06 months
APY*
1.00%
Minimum Balance to Open
1.00%
Minimum Balance to Open
$500
IRA 12 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
IRA 24 months
APY*
1.60%
Minimum Balance to Open
1.61%
Minimum Balance to Open
$500
IRA 36 months
APY*
1.95%
Minimum Balance to Open
1.97%
Minimum Balance to Open
$500
Share 06 months
APY*
1.00%
Minimum Balance to Open
1.00%
Minimum Balance to Open
$500
Share 12 months
APY*
1.40%
Minimum Balance to Open
1.41%
Minimum Balance to Open
$500
Share 24 months
APY*
1.60%
Minimum Balance to Open
1.61%
Minimum Balance to Open
$500
Share 36 months
APY*
1.95%
Minimum Balance to Open
1.97%
Minimum Balance to Open
$500
Share 48 months
APY*
2.05%
Minimum Balance to Open
2.07%
Minimum Balance to Open
$500
Share 60 months
APY*
2.25%
Minimum Balance to Open
2.27%
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) 839-8400 ext. 4806

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