SPECTRA FEDERAL CREDIT UNION

Welcome to Spectra, your trusted financial partner located at 5440 Cherokee Ave Ste 200, Alexandria, VA 22312. Established in 1946, our credit union has proudly served over 28,160 members and continues to be a cornerstone of our community. With total assets reaching an impressive $542,718,611 and total deposits of $27,029,025, we are committed to providing our members with reliable financial services tailored to their needs. At Spectra, we understand that every member's journey is unique. That's why we offer a variety of loans and services to help you achieve your financial goals. With 11,387 loans issued and a robust net worth of $50,292,040, our focus remains on your success. Our team of 84 dedicated employees, led by CEO Kristin Shultz and Board President Mary Kappus, is here to support you every step of the way. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 5440 Cherokee Ave Ste 200, Alexandria, VA 22312. Feel free to reach out at 301-839-8400 for any inquiries or assistance. We're open from 8:00 a.m. to 5:00 p.m., Monday through Friday. Join us at Spectra and experience the personalized service that comes from being part of a community-focused credit union. Visit our website at spectracu.com or call us today! Your financial future starts here.

Welcome to Spectra, your trusted credit union located at 5440 Cherokee Ave Ste 200, Alexandria, VA 22312. We are here to serve you with convenience and care in the heart of Alexandria. Our branch is easily accessible, nestled in a vibrant area close to local landmarks and amenities, making it a breeze for you to stop by. While members can visit us at 5440 Cherokee Ave, official correspondence should be sent to the same address for your convenience. Our location features ample parking and is designed to be accessible for everyone, including those who may need ADA-compliant facilities. At Spectra, we value your time. Our friendly team is ready to assist you during our operating hours from 8:00 a.m. to 5:00 p.m., Monday through Friday. Whether you're looking to withdraw cash or check your balance, our ATM services are available for your convenience. Please note that we do not offer drive-thru banking at this location, but our staff is always on hand to provide personalized service. We invite you to come by and explore what Spectra has to offer. If you have any questions or need assistance, feel free to call us at 301-839-8400. We look forward to welcoming you!

At Spectra, we believe that becoming a member is like joining a supportive family that truly cares about your financial well-being. If you live, work, or worship in the Alexandria area, you're likely eligible to join us! We welcome individuals from various backgrounds and professions, and our goal is to create a community where everyone can thrive. For detailed eligibility criteria, feel free to visit our website at . Opening an account with us is simple! You can start your membership journey by following the steps outlined on our account opening page at https://app.loanspq.com/apply.aspx?enc=kw21wblm1yxpjjabdozad3t3k8pz6anuiutjovuzurxjnd5sxgua81kngmcjqbwoyj7_gvm2ga6unujpzocv9ynqaam8md5mhmvdjxbjk0k6imxeojxgorlnoa6cemet . If you have any questions or need assistance along the way, don't hesitate to call us at (301) 839-8400. Our friendly team is here to help you every step of the way. Join us today at our branch located at 5440 Cherokee Ave Ste 200 Alexandria Va 22312, and experience the benefits of being part of the Spectra family!

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 dedicated to maintaining a solid financial foundation to support your needs and aspirations. 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 supports members' financial goals across various sectors with $2,327 in used auto loans and $358,005,346 in total loans and leases. Despite facing challenges reflected in our net income of $-2,191,365, we remain committed to operational efficiency which enables 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. 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 5440 Cherokee Ave Ste 200 Alexandria Va 22312 or call (301) 839-8400 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.