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Advertiser Disclosure
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 SPECTRA Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
SPECTRA Credit Union's top rates as of October 10, 2026 are 4.25% APY on its Brilliant Returns. Guaranteed. 14-Month CD, 0.05% APY on savings, 1.40% APY on money market accounts, 6.00% on its 3/1 ARM mortgage, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other SPECTRA Credit Union CD rates include Share 12 month at 3.70%, IRA 36 month at 3.65%, and Share 24 month at 3.65%. Other SPECTRA Credit Union mortgage rates include Conventional Mortgage at 6.88%, Conventional Mortgage at 6.88%, and 10/1 ARM (ITIN) at 7.00%. MonitorBankRates evaluates the financial stability of SPECTRA Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.16%. Rates last updated and verified on 10/10/2026. SPECTRA Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SPECTRA Credit Union? Share your experience about SPECTRA Credit Union by leaving a review below, or read customer reviews before you decide to use SPECTRA Credit Union. SPECTRA Credit Union
Alexandria Headquarters 5440 Cherokee Ave Ste 200
http://www.spectracu.com Alexandria, VA 22312  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. SPECTRA Credit Union CD Rates
SPECTRA Credit Union Savings Rates
SPECTRA Credit Union Business Savings Rates
SPECTRA Credit Union Money Market Rates
SPECTRA Credit Union Business Money Market Rates
SPECTRA Credit Union Mortgage Rates
SPECTRA Credit Union Home Equity & HELOC
SPECTRA Credit Union Auto Loan Rates
SPECTRA Credit Union RV, Boat and Powersport Loan Rates
SPECTRA Credit Union Personal Loan Rates
SPECTRA Credit Union Other Rates
Financial Health HistorySPECTRA Credit Union’s Texas Ratio rose from 6.35% in Q3 2023 to 12.16% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SPECTRA Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather SPECTRA Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SPECTRA Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SPECTRA Credit Union
Website
http://www.spectracu.com
Address
5440 Cherokee Ave Ste 200,
Alexandria, VA 22312
Phone
301-839-8400
Fax
301-839-8500
President
Mary Kappus
CEO
Kristin Shultz
Full-Time Employees
73
Part-Time Employees
0
Branch Locations
3
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.16%
Return on Assets (ROA)
0.0080%
Return on Equity (ROE)
0.0925%
Non-Performing Loans Ratio (NPL)
1.85%
Total Assets
544,414,197
Total Amount of Shares and Deposits
458,759,421
Total Shares and Deposits < 1 Year
436,565,162
Total Shares and Deposits 1 3 Years
18,308,737
Total Shares and Deposits > 3 Years
3,885,522
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
23,063,757
Total Uninsured Shares and Deposits > $250K (F+J)
23,063,757
Total Insured Shares and Deposits > $250K (item 17 less item K)
435,695,664
Total Interest Expense (Sum of items 6 8)
3,320,687
Share Certificates
2,580
Number of Accounts for Share Drafts
19,518
IRA KEOGH Accounts
1,213
Number of Accounts for Regular Shares
36,634
Money Market Shares
2,960
Net Income (unless the amount is already included in Undivided Earnings)
43,701
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
10,798,906
Total Liabilities
511,062,669
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for SPECTRA Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for SPECTRA Credit Union
Frequently Asked Questions About SPECTRA Credit UnionHow many branches does SPECTRA Credit Union operate?SPECTRA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join SPECTRA Credit Union?Yes, to access services at SPECTRA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, SPECTRA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SPECTRA Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SPECTRA Credit Union offer online and mobile banking?Most modern institutions like SPECTRA Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.spectracu.com. Current SPECTRA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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