Whether it’s your first—or fifth—time getting a mortgage, we’re here to help.
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Mortgages

Whether it’s your first—or fifth—time getting a mortgage, we’re here to help.

How to Get Pre-Qualified

We'll provide you with the purchase power you need to make your next auto buying experience a breeze.
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1. Submit application
Complete an application online.
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2. Get approved
We'll contact you to review your application.
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3. Send Documents
Provide necessary documents to complete the appliction.
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4. Find & buy a new car
We'll send you the funds to buy your new car.
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Mortgages

Vehicle Loan Rates1

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Auto Loan
Dividend Rate
2.44%
APY*
Up to 84
Minimum Balance to Open
$21.40 - $86.50
Recreational Vehicle
Dividend Rate
6.00%
APY*
Up to 240
Minimum Balance to Open
$9.16 - $30.42

Signature Loan Rates2

Loan Type
APR* as low as
Term (Months)
Est. Monthly Payment
(per $1,000 Financed)
Personal Loan
Dividend Rate
6.75%
APY*
Up to 60
Minimum Balance to Open
$21.40 - $86.50
Line of Credit
Dividend Rate
12.00%
APY*
N/A
Minimum Balance to Open
$25.00
Share Secured
Dividend Rate
Current +2%
APY*
N/A
Minimum Balance to Open
N/A

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
0.15%
APY*
0.15%
Minimum Balance to Open
$2,500 - $49,999.99
Money Market
Dividend Rate
0.25%
APY*
0.25%
Minimum Balance to Open
$50,000 - $99,999.99
Money Market
Dividend Rate
0.30%
APY*
0.30%
Minimum Balance to Open
$100,000 +
VIP Money Market
Dividend Rate
0.00%
APY*
0.00%
Minimum Balance to Open
<$100,000
VIP Money Market
Dividend Rate
0.35%
APY*
0.35%
Minimum Balance to Open
>$100,000

Savings Rates

Deposit Type
Dividend Rate
APY*
Minimum Balance to Open
Basic Savings
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
$5.00
Club Accounts
Dividend Rate
0.05%
APY*
0.05%
Minimum Balance to Open
None
Coverdell ESA
Dividend Rate
0.15%
APY*
0.15%
Minimum Balance to Open
None
Roth / Traditional IRA Share
Dividend Rate
0.20%
APY*
0.20%
Minimum Balance to Open
None
Share Certificates
Dividend Rate
0.05% - 0.45%
APY*
0.05% - 0.45%
Minimum Balance to Open
$500

Second Mortgage Rates

Loan Type
Term (Months)
LTV
Rate
APR*
Est. Monthly Payment
(per $1,000 Financed)
Variable Home Equity
Term (Months)
120
LTV
Up to 95%
Rate as low as
6.25%
APR*
6.472%
Est. Monthly Payment (per $1,000 Financed)
$112.28
Fixed Home Equity
Term (Months)
120
LTV
Up to 100% of appraised value minus First Trust
Rate as low as
APR*
4.90%
Est. Monthly Payment (per $1,000 Financed)
$105.58
Home Equity Line of Credit
Term (Months)
N/A
LTV
Up to 100% of appraised value minus First Trust
Rate as low as
APR*
4.25%
Est. Monthly Payment (per $1,000 Financed)
$100.00
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Loan Status

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Complete the form below and we will create customized quotes based on your loan details.

Need Help?

301-839-8429 or 800-526-6661, Ext. 8429
mortgage@spectracu.com
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5440 Cherokee Ave
Ste 200
Alexandria, VA 22312-2321

301.839.8400
800.526.6661
Routing/ABA # 254075043
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*APR = Annual Percentage Rate
*APY = Annual Percentage Yield

Federally Insured by the NCUA. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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