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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
SPECTRA Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 21, 2026
SPECTRA's 17 80th Anniversary CD Special rates are at 8.00%, 80th Anniversary 17-month CD rates are at 7.70%. SPECTRA's savings rates are at 0.05%. SPECTRA's money market rates are at 0.00%. SPECTRA's 3/1 ARM rates are at 5.12%, Conventional Mortgage rates are at 5.75%, Conventional Mortgage rates are at 5.88%, Conventional Mortgage rates are at 6.12%, Conventional Mortgage rates are at 6.38%. SPECTRA's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of SPECTRA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.42%. Rates were last updated on 03/21/2026. SPECTRA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SPECTRA? Share your experience about SPECTRA by leaving a review below, or read customer reviews before you decide to use SPECTRA. First Bank of Bancroft
Alexandria Headquarters 5440 Cherokee Ave Ste 200
http://www.spectracu.com Alexandria, VA 22312 
SPECTRA CD Rates
SPECTRA Savings Rates
SPECTRA Money Market Rates
SPECTRA Checking Rates
SPECTRA Mortgage Rates
SPECTRA Home Equity & HELOC
SPECTRA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SPECTRA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather SPECTRA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SPECTRA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SPECTRA
Website
http://www.spectracu.com
Address
5440 Cherokee Ave Ste 200,
Alexandria, VA 22312
Phone
301-839-8400
Fax
301-839-8500
President
Mary Kappus
CEO
Kristin Shultz
Full-Time Employees
74
Part-Time Employees
2
Branch Locations
3
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.42%
Return on Assets (ROA)
0.0102%
Return on Equity (ROE)
0.1223%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
579,650,889
Total Amount of Shares and Deposits
532,161,302
Total Shares and Deposits < 1 Year
507,470,014
Total Shares and Deposits 1 3 Years
19,526,971
Total Shares and Deposits > 3 Years
5,164,316
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
27,578,328
Total Uninsured Shares and Deposits > $250K (F+J)
27,578,328
Total Insured Shares and Deposits > $250K (item 17 less item K)
504,582,974
Total Interest Expense (Sum of items 6 8)
7,388,437
Share Certificates
3,319
Number of Accounts for Share Drafts
19,587
IRA KEOGH Accounts
1,279
Number of Accounts for Regular Shares
34,646
Money Market Shares
2,994
Net Income (unless the amount is already included in Undivided Earnings)
59,184
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
34,311,439
Total Liabilities
545,527,612
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SPECTRAIs SPECTRA a safe place to deposit money?Yes, SPECTRA is considered a safe financial institution. With a Texas Ratio of 7.4236174830591%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does SPECTRA operate?SPECTRA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join SPECTRA?Yes, to access services at SPECTRA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, SPECTRA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SPECTRA provides members with tools to manage their accounts and build a solid financial history. Does SPECTRA offer online and mobile banking?Most modern institutions like SPECTRA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.spectracu.com. Current SPECTRA Rates
Retrieved from our database of financial products. Rates subject to change.
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