SPECTRA FEDERAL CREDIT UNION

Welcome to Spectra, your trusted financial partner located at 4555 Overlook Ave Sw Bldg 222, Washington, DC 20375. Established in 1946, we have proudly served our community for over 75 years, helping our members achieve their financial goals with personalized services and reliable support. With a total membership of 28,160, we are dedicated to building strong relationships and enhancing the financial well-being of those we serve. At Spectra, we understand that financial decisions can be daunting. That's why our team, led by CEO Kristin Shultz and Board President Mary Kappus, is here to provide guidance and assistance every step of the way. Whether you're looking for personal banking solutions such as checking and savings accounts or need financing options like auto loans and mortgages, our knowledgeable staff is ready to help you navigate your choices. Our commitment to our members extends beyond just banking. With total assets of $542,718,611 and total deposits reaching $27,029,025, we ensure that your money is safe and accessible. We also offer various loans over 11,387 loans have been approved to date so you can trust us to provide the funds you need when you need them. While members can visit us at our branch location for face-to-face interactions, official correspondence should be sent to our mailing address: 4555 Overlook Ave SW Bldg 222, Washington, DC 20375-0001. We invite you to explore all that Spectra has to offer! For more information about our services or to speak with one of our friendly representatives, please call us at 301-839-8835 or visit us online at spectracu.com. Join us today and discover how we can help you thrive financially!

At Spectra, our story begins in 1946, when we opened our doors in the heart of Washington, DC. Since then, we have proudly served our community from our branch located at 4555 Overlook Ave SW Bldg 222, Washington, DC 20375. Over the years, we have grown into a trusted partner for financial services, with a membership base that now exceeds 28,160 individuals. Our mission is clear: to provide exceptional financial services while fostering a spirit of community and support. We believe that everyone deserves access to quality banking options that empower them to achieve their financial goals. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, our aim is to be a one-stop-shop for all your financial needs. With total assets reaching an impressive $542,718,611, we are committed to ensuring the financial well-being of our members. Our focus extends beyond just numbers; it's about building lasting relationships and making a positive impact in the lives of those we serve. Whether it's through our competitive loan offerings or community outreach programs, Spectra strives to make a difference every day. In addition to traditional banking services, we embrace modern conveniences such as online and mobile banking. With features like electronic signatures and e-statements, managing your finances has never been easier or more accessible. We also ensure that our facilities are ADA compliant so that everyone can comfortably access our services. While members can visit us at our physical location on Overlook Ave SW, official correspondence should be sent to the same address as our mailing address: 4555 Overlook Ave SW Bldg 222, Washington, DC 20375-0001. For those on the go, we offer ATM services for quick cash withdrawals and balance checks. As part of our ongoing commitment to community involvement, we actively seek partnerships that allow us to give back. Our dedication goes beyond providing financial products; it's about investing in the future of Washington and supporting local initiatives that uplift our neighborhoods. Join us at Spectra! Experience firsthand how we can help you navigate your financial journey while being part of a community-focused credit union. For more information or to become a member today, give us a call at 301-839-8835 or visit us online at www.spectracu.com. Together, let's build a brighter financial future!

Becoming a member of Spectra feels like joining a family that truly cares about your financial well-being. If you're looking to become part of our supportive community, you'll be happy to know that eligibility is quite straightforward! We welcome individuals who live, work, or worship in the area, as well as their family members. This means if you have a loved one already enjoying the benefits of Spectra, you can easily join them! As a member, you gain access to a range of services designed to help you thrive financially, from personal banking options to auto loans and more. Ready to take the next step? Opening an account is a breeze! You can find all the details on how to get started by visiting us at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3t3k8pz6anuiutjovuzurxjnd5sxgua81kngmcjqbwoyj7_gvm2ga6unujpzocv9ynqaam8md5mhmvdjxbjk0k6imxeojxgorlnoa6cemet . If you have any questions or need assistance, don't hesitate to reach out at (301) 839-8835. For more information about our membership eligibility criteria, check out this resource: . We can't wait to welcome you into the Spectra family at our branch located at 4555 Overlook Ave Sw Bldg 222 Washington Dc 20375!

At Spectra, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a strong financial foundation that supports our community's needs and ensures their peace of mind. With a net worth of $50,292,040, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $923 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $97,333,179 in share certificates and $134,111,116 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $50,090,505 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $2,327 in used auto loans and $358,005,346 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $-2,191,365, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 82 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 60,211, showing a strong and growing member base that trusts us with their finances. This trust fuels our commitment to you as we strive to provide the best possible service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Spectra is your trusted partner. Visit us at 4555 Overlook Ave Sw Bldg 222 Washington Dc 20375 or call (301) 839-8835 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.