Spectra Credit Union
Verified rate book
Current Spectra Credit Union rates
1 published offer verified as of August 3, 2026.
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Featured Ratesother | 3.500% % | 3.500% | — | Standard |
Spectra Credit Union is a credit union in Virginia. Rate data is being verified.
Source: RateAPI.dev, verified from Spectra Credit Union's official website
Loading branch locator…
About Spectra Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 30.6K
- Assets
- $552.6M
- Founded
- 1946
- Locations reported
- 4
- NCUA charter
- 5380
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Spectra Credit Union
Membership eligibility from Spectra Credit Union's own published criteria. How we verify this.
Membership criteria are published on Spectra Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Spectra Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Spectra Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Spectra Credit Union ranks against Virginia peers.
Frequently Asked Questions
What rates does Spectra Credit Union offer?
Spectra Credit Union is a credit union in Virginia. Rate data is currently being verified.
How often are Spectra Credit Union rates updated?
RateAPI verifies Spectra Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Spectra Credit Union's rate data?
Rate data is collected directly from Spectra Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
Related Rate Data
Compare Spectra Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Spectra Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Spectra Credit Union
curl "https://api.rateapi.dev/credit-unions/virginia/spectra" \
-H "Authorization: Bearer YOUR_API_KEY"