Welcome to spectra, where we have proudly served our members since 1946. Located in the heart of Alexandria, VA, we are dedicated to empowering our community through a range of financial services tailored to meet the unique needs of our members, including military personnel and their families. Under the leadership of our CEO, Kristin Shultz, and Board President, Mary Kappus, we strive to foster a member-first culture that emphasizes trust, accessibility, and financial well-being.

At spectra, your peace of mind is our priority, which is why we are proud to be federally insured by the NCUA since 1/4/1971 0:00. Our modern banking tools ensure you have access to your finances whenever you need them—whether through online banking, our mobile application for convenient transactions, or peer-to-peer transfers for easy money sharing. Enjoy the benefits of e-statements and mobile payments that keep you connected and informed. For any inquiries, feel free to reach out via fax at (301) 839-8500 or visit us online at https://www.spectracu.com/ . Join us today as we continue our mission to serve and uplift our community with integrity and dedication.

At spectra, we are dedicated to providing a comprehensive suite of financial services designed to meet the diverse needs of our members. Our offerings include personal banking options such as checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as personal loans for debt consolidation. For small businesses, we offer tailored solutions through business banking services that encompass merchant services and business loans. With our commitment to accessibility, members can easily manage their finances anytime, anywhere using our robust online banking platform and mobile application. Features like person-to-person transfers, mobile payments, e-statements, and e-signatures ensure that managing your money is both convenient and secure.

Our goal at spectra is to empower our members to effectively plan for life milestones or grow their small businesses with confidence. By offering competitive rates on loans and facilitating quick comparisons through resources like https://www.lendmesh.com/loans/vehicle_loans , we help you make informed financial decisions. Whether you're looking to save for a new home, finance a vehicle, or streamline your day-to-day banking activities, our comprehensive solutions are designed with you in mind. Membership eligibility is straightforward; you can find more information at . If you have any questions or require personalized assistance, feel free to reach out to us at (301) 839-8500. We're here to support you on your financial journey!

In today's financial landscape, finding a trusted partner is crucial for both individual and business financial health. At spectra, we pride ourselves on being that reliable partner, with a strong foundation built over decades since our establishment in 1946. Our commitment to our members is reflected in our total membership of 28,160, showcasing the trust and loyalty we've cultivated within our community.

Our robust financial position is underscored by total assets amounting to 542,718,611 and a solid net worth of 50,292,040. This stability allows us to offer competitive rates and diverse financial products tailored to meet the unique needs of our members. Despite recent challenges, we remain dedicated to delivering value, as evidenced by our total deposits of 27,029,025 and the extensive range of loans and leases we manage, which currently stands at 11,387.

With a team of 84 skilled professionals, we are equipped to provide exceptional service and expert guidance. Our net worth ratio of 923 further affirms our sound fiscal management, ensuring that your investments are secure with us. We understand that financial flexibility is vital; thus, we offer various lending options including commercial loans, totaling 52, and a substantial auto loan volume of , designed to help you achieve your dreams.

At spectra, transparency is key. We aim to empower our members with insightful performance metrics and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . We invite you to experience our commitment to excellence firsthand by exploring how we can assist you in achieving your financial goals.

Compare real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.