SPECTRA FEDERAL CREDIT UNION - Virginia

At Spectra Credit Union, our mission is to empower and uplift our members through community-focused, member-first service throughout Virginia. Led by our dedicated CEO Kristin Shultz and Board President Mary Kappus, we strive to create a welcoming environment where your financial needs come first. We understand that modern life requires convenience, which is why we offer a range of digital solutions including electronic signature authorization, e-statements, mobile payments, a dedicated mobile app, online banking, and person-to-person payment support. Our goal is to make your banking experience seamless and accessible, allowing you to manage your finances with ease. For more information about how we can serve you better, visit us at https://www.spectracu.com/ or reach out via fax at 3018398500. Welcome to Spectra Credit Union—where you belong!

At Spectra Credit Union, we understand that managing your finances is an essential part of everyday life in Virginia. That’s why we offer a comprehensive range of personal banking services designed to make your financial journey smoother and more rewarding. Whether you’re looking to open a checking or savings account, apply for an auto loan, or secure financing for your dream home, our offerings are tailored to meet your unique needs. With convenient online banking and a user-friendly mobile application at your fingertips, accessing your accounts and conducting transactions has never been easier. You can quickly check balances, transfer funds, and even make person-to-person payments with just a few taps on your phone.

For those who are business-minded, our credit union also provides robust support through various business banking solutions. From merchant services to business loans, we’re here to help entrepreneurs thrive in their ventures. We prioritize flexibility and accessibility, ensuring that all our members have the tools they need to manage their finances effectively—be it through e-statements that simplify record-keeping or electronic signatures that expedite loan applications. Our commitment extends beyond traditional banking hours with features like mobile payments that enable you to pay on the go. At Spectra Credit Union, we’re dedicated to empowering our members across Virginia with the financial resources they need to achieve their goals while enjoying a seamless and supportive banking experience.

At Spectra Credit Union in VA, we believe that becoming a member should be as easy as possible. With just a few simple steps, you can open an account and start enjoying the benefits that come with membership. We invite prospective members to check their eligibility at to see how simple it is to join our community. Our core values of trust, community engagement, personalized service, and financial reliability are what set us apart from other financial institutions. We pride ourselves on being more than just a credit union; we’re your neighbors who care about your financial well-being. Whether you're looking for a checking account, a personal loan, or mortgage refinancing options, our dedicated team is here to guide you every step of the way. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . Join us today and experience the difference!