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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SPECTRA Credit Union Rates & Review November 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 30, 2026
SPECTRA Credit Union's 14-Month CD rates are at 4.25%, 12 Month CD rates are at 3.70%, 24 Month CD rates are at 3.65%, 36 Month CD rates are at 3.60%, 48 Month CD rates are at 3.60%. SPECTRA Credit Union's savings rates are at 0.05%. SPECTRA Credit Union's money market rates are at 1.40%. SPECTRA Credit Union's 3/1 ARM rates are at 6.00%, Conventional Mortgage rates are at 6.50%, 10/1 ARM (ITIN) rates are at 7.00%. SPECTRA Credit Union's Personal Loan Rates are as low as 10.00%. SPECTRA Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/30/2026. 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 Checking Rates
SPECTRA Credit Union Business Checking 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
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Add Your Rating and Review for SPECTRA Credit Union
Frequently Asked Questions About SPECTRA Credit UnionDoes SPECTRA Credit Union offer CDs?Yes. SPECTRA Credit Union current CD rates include its 14-Month CD at 4.25% APY, its 12 Month CD at 3.70% APY and its 24 Month CD at 3.65% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from SPECTRA Credit Union NCUA insured?Yes. SPECTRA Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at SPECTRA Credit Union?The highest SPECTRA Credit Union CD rate is its 14-Month CD at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does SPECTRA Credit Union offer?SPECTRA Credit Union CD rates are 3.70% APY for a 12 month CD, 4.25% APY for a 14 month CD, 3.65% APY for a 2 year CD, 3.60% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.60% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with SPECTRA Credit Union for its full lineup. What is the highest savings rate at SPECTRA Credit Union?The highest SPECTRA Credit Union savings rate is its Basic Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at SPECTRA Credit Union?The highest SPECTRA Credit Union money market rate is its Business Money Market at 1.40% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest mortgage rate at SPECTRA Credit Union?The lowest SPECTRA Credit Union mortgage rate is its 3/1 ARM at 6.00%, verified by MonitorBankRates as of October 30, 2026. SPECTRA Credit Union mortgage rates are 6.00% for a 3/1 ARM and 7.00% for a 10/1 ARM. What is the lowest auto loan rate at SPECTRA Credit Union?The lowest SPECTRA Credit Union auto loan rate is its New Vehicle Loan at 4.20% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at SPECTRA Credit Union?The lowest SPECTRA Credit Union personal loan rate is its Personal Loan at 10.00% APR, verified by MonitorBankRates as of October 30, 2026. How 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do SPECTRA Credit Union rates compare?SPECTRA Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A health rating. SPECTRA Credit Union's top rates are its 14-Month CD at 4.25% APY, its Basic Savings at 0.05% APY, its Business Money Market at 1.40% APY, its 3/1 ARM at 6.00% and its Personal Loan at 10.00% APR, verified by MonitorBankRates on October 30, 2026. Current SPECTRA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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