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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
TruStage Insurance

Auto & Home Insurance1

TruStage® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.

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AD&D Insurance2

Accidents can happen anytime. Don’t leave them unprepared.

Your untimely accidental death could leave your family with long-lasting financial burdens. Accidental Death & Dismemberment insurance can help give them a safety net.

Benefits of Coverage

  • Guaranteed acceptance - no health questions or medical exams.
  • Coverage available at a cost-effective, monthly rate.
  • Cash payout is often not subject to income-tax.
  • You’re protected whether at home, at work, on vacation, or during travel.

Enroll today at www.TruStage.com/ADD‬‬‬‬

TruStage Insurance
TruStage Insurance

General Life Insurance3

TruStage® Life Insurance

We make TruStage® Life Insurance Policies available to help credit union members like you protect the people who matter most in their lives. Any amount of coverage can make a difference, so it makes sense to check rates and look into this important protection.

TruStage Life Insurance plans and policies offer rates that fit your budget and that are designed to be affordable. They provide excellent coverage, underwritten by CMFG Life Insurance Company.

Learn about this important coverage or call 1-855-612-7909 for more information.

Term Life Insurance4

Expect the best out of life, but be prepared.

With everything you have to think about in a day, at least life insurance should be easy. That’s why TruStage® Term Life Insurance is available entirely online. In fact, you can check “life insurance” off your to-do list in about 10 minutes*:

  • Six-step application
  • 100% online
  • Just a few health questions
  • No medical exam
  • Instant decision (up to $300,000)

Don’t wait another day to be prepared. Get an instant quote based on your budget today.

Get a Quote

TruStage Insurance
TruStage Insurance

Whole Life Insurance5

It’s good to know that when the time comes, you’ll be prepared.

You’ve always done what’s right for your family. Taking steps to ease the burden of final expenses with life insurance is just one more way to show you care.

Why TruStage Whole Life?

Whole Life Insurance means coverage for life: There's no expiration date for your policy. If something happens, your family will get a cash benefit. Plus, your rate is locked-in upfront.

Apply in minutes online or over the phone:

  • Just a few questions
  • No medical exam
  • Instant quotes based on your budget

Get a Quote

TruStage Insurance
Rates as of current date

Vehicle Loan Rates4

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
New Vehicles
APR* as low as
4.95%
Terms
36
Est. Monthly Payment
$29.95
APR* as low as
5.55%
Terms
48
Est. Monthly Payment
$23.28
APR* as low as
5.85%
Terms
60
Est. Monthly Payment
$19.26
APR* as low as
6.15%
Terms
72
Est. Monthly Payment
$16.64
APR* as low as
6.65%
Terms
84
Est. Monthly Payment
$14.92
APR* as low as
7.15%
Terms
96
Est. Monthly Payment
$13.71
Used Vehicles
APR* as low as
5.75%
Terms
36
Est. Monthly Payment
$30.31
APR* as low as
5.95%
Terms
48
Est. Monthly Payment
$23.46
APR* as low as
6.25%
Terms
60
Est. Monthly Payment
$19.45
APR* as low as
6.55%
Terms
72
Est. Monthly Payment
$16.83
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
8.00%
APR* as low as
8.00%
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
5.000%
APR* as low as
5.044%
10/1 ARM (ITIN)
Term (Years)
30
Points
0.00
Rate
6.875%
APR* as low as
6.924%
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
6.500%
APR* as low as
6.564%
Conventional Mortgage
Term (Years)
15
Points
0.00
Rate
6.250%
APR* as low as
6.329%
Conventional Mortgage
Term (Years)
10
Points
0.00
Rate
6.125%
APR* as low as
6.236%
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*
4.410%
Minimum Balance to Open
4.50%
Minimum Balance to Open
$500
IRA 24 months
APY*
4.17%
Minimum Balance to Open
4.25%
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*
4.410%
Minimum Balance to Open
4.50%
Minimum Balance to Open
$500
Share 14 months (Special Offer)**
APY*
4.94%
Minimum Balance to Open
5.05%
Minimum Balance to Open
$500
Share 24 months
APY*
4.17%
Minimum Balance to Open
4.25%
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
[email protected]
(301) 749-4806

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