SPECTRA Rates and Review January 2026
Compare SPECTRA CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of SPECTRA savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilitySPECTRA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at SPECTRA? Share your experience about SPECTRA by leaving a review below, or read customer reviews before you decide to use SPECTRA. Overall, SPECTRA is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. First Bank of Bancroft Alexandria Headquarters 5440 Cherokee Ave Ste 200 Alexandria, VA 22312  CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonBusiness Select Credit Card Mastercard
18.000%
VISA Signature Rewards
16.740% - 18.000%
Prime Platinum Visa Credit Card
11.500%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonSignature Loan
10.000%
$0
60
Debt Consolidation Loan
11.240% - 17.950%
$0
25 - 36
Personal Loan
12.740%
$0
36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have SPECTRA rate data right now. Credit Union Profile & OverviewCredit Union Name: SPECTRA
Website: http://www.spectracu.com
Full Time Employees: 74Part Time Employees: 2 President: Mary Kappus CEO: Kristin Shultz Branch Locations: 3 ATM Locations: 5 Corporate Office Address:
5440 Cherokee Ave Ste 200
Alexandria, VA 22312 Phone Number: 301-839-8400 Fax Number: 301-839-8500 FinancialsTotal Assets:
579,650,889
Total Amount of Shares and Deposits:
532,161,302
Total Shares and Deposits < 1 Year:
507,470,014
Total Shares and Deposits 1 3 Years:
19,526,971
Total Shares and Deposits > 3 Years:
5,164,316
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
27,578,328
Total Uninsured Shares and Deposits > $250K (F+J):
27,578,328
Total Insured Shares and Deposits > $250K (item 17 less item K):
504,582,974
Total Interest Expense (Sum of items 6 8):
7,388,437
Share Certificates:
3,319
Number of Accounts for Share Drafts:
19,587
IRA KEOGH Accounts:
1,279
Number of Accounts for Regular Shares:
34,646
Money Market Shares:
2,994
Net Income (unless the amount is already included in Undivided Earnings):
59,184
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
34,311,439
Total Liabilities:
545,527,612
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About SPECTRAIs a member application needed to join SPECTRA?Yes, to access services at SPECTRA, a member application is required. Is there a first-time homebuyer program?Currently, SPECTRA provides a range of mortgage and home equity products. Is SPECTRA a safe place to deposit money?Yes, SPECTRA is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does SPECTRA offer online and mobile banking?Most modern institutions like SPECTRA provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.09%, 6-month CD rates at 3.84% and 3-month CD rates at 0.24%. Savings rates are at 1.51% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.45%. Credit Card rates are at 8.90%. Personal Loan rates are at 12.00%. All these rates, and more, can be found in our database of rates which you can compare to 
