Spectra Investment Services

Vehicle Loan Rates³

Loan Type

APR* as low as

Term (Months)

Est. Monthly Payment
(per $1,000 Financed)

New Vehicles

APR* as low as

5.20%

Terms

Est. Monthly Payment

$30.06

APR* as low as

5.80%

Terms

Est. Monthly Payment

$23.39

APR* as low as

6.10%

Terms

Est. Monthly Payment

$19.38

APR* as low as

6.40%

Terms

Est. Monthly Payment

$16.76

APR* as low as

6.90%

Terms

Est. Monthly Payment

$15.04

APR* as low as

7.40%

Terms

Est. Monthly Payment

$13.83

Used Vehicles

APR* as low as

6.00%

10.20%

Terms

Est. Monthly Payment

$30.42-$32.36

APR* as low as

6.20%

10.50%

Terms

Est. Monthly Payment

$23.58 - $25.60

APR* as low as

6.50%

10.50%

Terms

Est. Monthly Payment

$19.57 - $21.64

APR* as low as

6.80%

11.10%

Terms

Est. Monthly Payment

$16.95 - $19.09

Boat Loans

APR* as low as

7.50%

Terms

Up to 120

Est. Monthly Payment

$13.24 - $31.11

Recreational Vehicle Loans

APR* as low as

7.25%

Terms

Up to 120

Est. Monthly Payment

$13.10 - $30.99

Personal Loan Rates

Loan Type

APR* as low as

Term (Months)

Personal Loan

APR* as low as

10.25%

Terms

Up to 72

Line of Credit

APR* as low as

12.50%

Terms

N/A

Share & Certificate Secured Loan

APR* as low as

Current +2%

Terms

N/A

Home Improvement Loan

APR* as low as

11.75%

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

0.85%

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*

Minimum Balance to Open

Basic Savings

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance to Open

$5.00

Club Accounts

Dividend Rate

0.10%

APY*

0.10%

Minimum Balance to Open

None

Coverdell ESA

Dividend Rate

0.85%

APY*

0.85%

Minimum Balance to Open

None

Roth / Traditional IRA Share

Dividend Rate

0.85%

APY*

0.85%

Minimum Balance to Open

None

Brilliant Kids Savings

Dividend Rate

10.00%

APY*

Minimum Balance to Open

$5.00

Home Equity Rates

Loan Type

Term (Years)

Rate

APR*

Variable Home Equity Line of Credit

Term (Years)

up to 25

Rate as low as

8.25%

APR* as low as

8.25%

Fixed Home Equity Line of Credit

Term (Years)

up to 15

Rate as low as

11.25%

APR* as low as

11.25%

Fixed Home Equity Loan

Term (Years)

up to 20

Rate as low as

12.25%

APR* as low as

12.25%

Get a Personalized Quote

Mortgage Rates

Loan Type

Term (Years)

Points

Rates as Low as

APR* as Low as

3/1 ARM

Term (Years)

Points

0.00

Rate

6.125%

APR* as low as

6.172%

10/1 ARM (ITIN)

Term (Years)

Points

0.00

Rate

8.375%

APR* as low as

8.429%

Conventional Mortgage

Term (Years)

Points

0.00

Rate

7.125%

APR* as low as

7.175%

Conventional Mortgage

Term (Years)

Points

0.00

Rate

6.750%

APR* as low as

6.814%

Conventional Mortgage

Term (Years)

Points

0.00

Rate

6.625%

APR* as low as

6.705%

Conventional Mortgage

Term (Years)

Points

0.00

Rate

6.625%

APR* as low as

6.737%

First-Time Homebuyer

Term (Years)

Points

0.00

Rate

7.625%

APR* as low as

7.677%

Get a Personalized Quote

Certificates

Deposit Type

Dividend Rate

APY*

Minimum Balance to Open

IRA 06 months

APY*

2.55%

Minimum Balance to Open

2.58%

Minimum Balance to Open

$500

IRA 12 months

APY*

2.99%

Minimum Balance to Open

3.03%

Minimum Balance to Open

$500

IRA 24 months

APY*

4.00%

Minimum Balance to Open

4.07%

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*

2.55%

Minimum Balance to Open

2.58%

Minimum Balance to Open

$500

Share 12 months

APY*

2.99%

Minimum Balance to Open

$500

Share 24 months

APY*

4.00%

Minimum Balance to Open

$500

Share 36 months

APY*

3.88%

Minimum Balance to Open

$500

Share 48 months

APY*

3.78%

Minimum Balance to Open

$500

Share 60 months

APY*

3.74%

Minimum Balance to Open

$500

Disclosures

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Spectra Credit Union and Spectra Investment Services are not registered as a broker-dealer or investment advisor. registered representatives of LPL offer products and services using Spectra Investment services, and may also be employees of Spectra Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Spectra Credit Union or Spectra Investment Services. Securities and insurance offered through LPL or its affiliates are:‍

‍

Not Insured by NCUA or Any Other Government Agency

Not Credit Union Guaranteed

Not Credit Union Deposits or Obligations

May Lose Value

‍

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Spectra Investment Services

We work around you.

Get Pre-Qualified with a PAL

Investment Strategies

Insurance Strategies

Preparing for Your Future

Vehicle Loan Rates³

Personal Loan Rates

Checking Rates

Savings Rates

Home Equity Rates

Mortgage Rates

Certificates

Interested in learning more? We’d love to speak with you.

Interested in learning more? We’d love to speak with you.

Disclosures

Ready to build a more vibrant future?

Spectra Investment Services

We work around you.

Get Pre-Qualified with a PAL

Investment Strategies

Insurance Strategies

Preparing for Your Future

Vehicle Loan Rates3

Personal Loan Rates

Checking Rates

Savings Rates

Home Equity Rates

Mortgage Rates

Certificates

Interested in learning more? We’d love to speak with you.

Interested in learning more? We’d love to speak with you.

Disclosures

Ready to build a more vibrant future?

You are about to leave our secure website.

Vehicle Loan Rates³