Spectra Credit Union Alexandria VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Spectra, your trusted financial partner located at 1460 N Beauregard St, Alexandria, VA 22311. Since our establishment in 1946, we have proudly served our community with dedication and a commitment to helping our members achieve their financial goals. As part of the Spectra Credit Union, we are honored to support over 28,160 members and manage assets totaling more than $542 million. At Spectra, we understand that every financial journey is unique. That's why we offer a wide range of services tailored to meet your personal and business needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing, our expert team is here to guide you every step of the way. With a total of $27,029,025 in deposits and a robust loan portfolio exceeding 11,387 loans, we are well-equipped to help you navigate your financial landscape. While members can visit us at our branch address, official correspondence should be sent to the same location: 1460 N Beauregard St, Alexandria, VA 22311-5800. Our friendly staff is available to assist you during lobby hours from 9 AM to 5 PM on weekdays and from 9 AM to 1 PM on Saturdays. For those on the go, our drive-thru service operates until 6 PM on weekdays and until 2 PM on Saturdays. Led by our dedicated CEO, Kristin Shultz, and Board President, Mary Kappus, we pride ourselves on fostering a community-focused environment. Our team of 84 employees is committed to providing exceptional service and building lasting relationships with our members. Ready to take the next step? We invite you to explore our services further by visiting us online at www.spectracu.com or calling us directly at 701-461-1922. Let Spectra be your partner in financial success!

Branch History & Mission

Welcome to Spectra, a cornerstone of community support and financial growth in Alexandria, VA. Established in 1946, our branch has proudly served the local community for many years, evolving into a trusted partner for our members. With a total membership of 28,160 and assets totaling $542,718,611, we have built a legacy of commitment to financial well-being. Located at 1460 N Beauregard St Alexandria Va 22311, we are conveniently situated near key landmarks, making it easy for you to visit us. Our operating hours are designed to accommodate your busy schedule, with lobby hours from 9 AM to 5 PM Monday through Friday and 9 AM to 1 PM on Saturdays. Our drive-thru is open from 9 AM to 6 PM during weekdays and until 2 PM on Saturdays, ensuring you can access our services at your convenience. At Spectra, our mission goes beyond just providing financial services; we aim to uplift our community. We believe that when our members thrive, so does the entire community. Our focus is on offering a range of personal banking options, including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also support local businesses through tailored banking solutions designed to foster growth and success. While members can visit us at 1460 N Beauregard St Alexandria Va 22311, official correspondence should be sent to our mailing address at 1460 N Beauregard St, Alexandria, VA 22311-5800. This ensures that all communications reach us promptly. We are proud of our advancements in digital banking. Our services include online banking, mobile payments, and e-statements making it easier than ever for you to manage your finances on the go. We prioritize accessibility by ensuring our facilities comply with ADA standards, allowing all members of the community to utilize our services without barriers. Community outreach is at the heart of what we do. We actively engage with local organizations and initiatives that enhance the quality of life in Alexandria. Whether through partnerships or charitable efforts, we strive to give back and make a positive impact where it matters most. Join us today and experience the benefits that come with being part of Spectra. Together, let's build a brighter financial future for you and your community! For more information or assistance, feel free to reach out at (701) 461-1922 or visit our website at https://www.spectracu.com/ .

Branch Location & Accessibility

Accessibility and Parking

Our branch is fully accessible, equipped with ADA-compliant features including ramps and designated parking spots. Parking is available right outside the entrance, making it convenient for all members. Whether you're stopping by for a quick transaction or planning a longer visit, we've made sure your experience is hassle-free.

Connect With Us

We're just a phone call away at 701-461-1922 if you have any questions or need assistance before your visit. We invite you to come by our branch today and experience firsthand the friendly service and support that makes Spectra more than just a credit union it's a community partner dedicated to helping you succeed financially. We look forward to welcoming you soon!

Operating Hours

We understand that life can get busy, so we offer flexible banking hours tailored to fit your schedule. Our lobby is open from 9 AM to 5 PM Monday through Friday and from 9 AM to 1 PM on Saturday. If you prefer the drive-thru option, we're here for you until 6 PM on weekdays and until 2 PM on Saturdays.

Services Offered

At Spectra, we pride ourselves on providing a wide range of services. From personal banking options like checking and savings accounts to loans for vehicles and mortgages, we have what you need under one roof. Our ATM services are also readily available for quick cash withdrawals or balance inquiries. Additionally, if you're looking for basic drive-thru banking services such as deposits or simple transactions, we've got you covered there too!

Member Eligibility

Becoming a member of Spectra is like joining a welcoming family that truly cares about your financial journey. If you live, work, or attend school in the Alexandria area, you're likely eligible to join us! We believe in making banking personal and accessible, so whether you're seeking to open a checking account, apply for a loan, or just want to explore your financial options, our doors are wide open for you. Plus, as a member of Spectra, you'll enjoy exclusive benefits such as competitive rates on loans and personalized service tailored to your needs. To kick off your membership process, simply visit us at 1460 N Beauregard St Alexandria Va 22311 or give us a call at (701) 461-1922. You can also find more detailed information about eligibility criteria by visiting our website at . When you're ready to take the next step, opening an account is easy just check out the account opening details here: https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3t3k8pz6anuiutjovuzurxjnd5sxgua81kngmcjqbwoyj7_gvm2ga6unujpzocv9ynqaam8md5mhmvdjxbjk0k6imxeojxgorlnoa6cemet . Join us today and experience the difference that community-focused banking can make in your life!

Business Banking & Commercial Services

Commercial Loans That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $46 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,013,954, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services to Simplify Transactions

In addition to loans, we offer merchant services that streamline payment processes for you and your customers. Imagine being able to accept payments seamlessly, whether in-store or online, allowing you to focus on what matters most growing your business. Our tools help manage transactions efficiently, giving you more time to innovate and serve your clients. Located at 1460 N Beauregard St Alexandria Va 22311 in Alexandria, VA, we invite you to explore how our dedicated team can partner with you on your journey. For inquiries, call us at (701) 461-1922. Let's build something great together!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we have tailored solutions like merchant services and business loans. These services ensure that your business runs smoothly while allowing you to focus on growth.

Convenient Access to Your Funds

Accessing cash is simple with our network of ATMs available for withdrawals and balance checks. If you prefer face-to-face transactions, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle. At Spectra, we strive to provide a welcoming environment where members can feel supported in their financial journeys. For more information about any of our services or to get started today, don't hesitate to call us at (701) 461-1922 or visit us online at Shops At Mark Center. We look forward to serving you!

Flexible Loan Options

Need a new vehicle? Our auto loans and vehicle financing options make purchasing your dream car straightforward and stress-free. If you're considering buying a home, we offer competitive rates on mortgage loans and refinancing solutions to fit your budget. For those unexpected expenses or consolidating debt, our personal loans provide the financial relief you may need.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking services are crafted with your lifestyle in mind. Imagine enjoying the flexibility of managing your accounts from home or on-the-go with our online and mobile banking features. You can easily check balances, transfer funds, and pay bills with just a few clicks.

Rewarding Credit Card Options

Don't forget about rewards! Our credit cards with rewards let you earn points for every purchase you make, adding more value to your everyday spending.

Digital & Online Banking

Key Features

Our online banking services provide you with 24/7 access to your accounts. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, with features like E-Statements, you can say goodbye to paper clutter and access your statements digitally whenever you need them. For those who prefer mobile banking, our user-friendly mobile application ensures that all the power of online banking fits right in your pocket. You can enjoy quick access to account information, initiate person-to-person transfers easily, and even make purchases through our mobile payments feature making transactions as simple as a tap on your phone.

Security & Ease of Use

Your security is our top priority. At Spectra, we utilize electronic signature authorization to ensure that your transactions are secure and verified. We've made it easy for you to manage your money without compromising safety. Everything from logging in to authorizing payments is designed with user-friendliness in mind, so you can feel confident while navigating your financial journey. In a world where time is precious, our digital banking solutions allow you to manage your accounts in real-time, giving you the freedom to focus on what truly matters. Experience the convenience of modern banking with Spectra where technology meets personalized service!

Financial Strength

Commitment to Growth

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 supports your financial goals with $2,327 in used auto loans and $358,005,346 in total loans and leases. Our $-2,191,365 reflects our operational efficiency, 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.

Member Savings and Security

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.

Strong Financial Health

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.

Trusted Partnership

Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 60,211, showing a strong and growing member base that trusts us with their finances. 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 1460 N Beauregard St Alexandria Va 22311 or call (701) 461-1922 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $54,544,901 in used vehicle loans and $29,112,568 in new vehicle loans already helping members get on the road. We provide flexible terms tailored to fit your budget and lifestyle, making it easier than ever to drive away with confidence.

Credit Lines

For those looking for more flexibility in managing expenses, our total credit lines amounting to $141,037,000 offer just that. These lines of credit can help you tackle unexpected costs or finance larger purchases without disrupting your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $80,930,217, make buying or refinancing simple. We provide guidance throughout the process to ensure you understand all your options and find a solution that works for you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. These cards come with competitive rates and no collateral requirement, making them an excellent choice for those who want financial freedom without added stress. At Spectra, we believe that everyone deserves access to fair lending options. If you're considering refinancing or unsure about eligibility, our team is here to assist you every step of the way. For more information about our loan offerings or to speak with a representative, please call us at (701) 461-1922 or visit us at our branch located at 1460 N Beauregard St Alexandria Va 22311 in Alexandria, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial journey starts here!

Loan Aggregator

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SPECTRA FEDERAL CREDIT UNION