Spectra Federal Credit Union


5440 Cherokee Ave Ste 200
Alexandria, VA 22312
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Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.25% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.67% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Spectra is an NCUA insured institution located in Alexandria, VA. It was founded in 1946 and has approximately $597.45 millions in assets.

Who can join?

You can if you are...

A contractor or an employee of a contractor who works regularly at the Naval Research Laboratory in Washington DC.

A civilian or military employee of the U.S. Government regularly stationed at or paid by the Naval Research Lab

An employee or student of a Select Group

Living in the same residence maintaining a single economic unit.

NCUA Insured Yes / Federally Chartered
Charter Number # # 5380
Date Established 1946
Assets $597.45 million
Loans $440.15 million
Deposits $509.49 million
Capital $57.44 million

Field of Membership Restrictions

Membership in the American Consumer Council qualifies individuals for NRL Federal Credit Union membership, regardless of residency.

Deposit Rates - June 9, 2023

Your Current Location: Virginia, VA 20146

We do not yet have rates for Spectra

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Loan Rates - June 9, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Spectra

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Spectra
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Spectra branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Spectra Locations

Climate Initiatives

SPECTRA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Spectra Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spectra. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Spectra U.S. Average
11.91% 5.90

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2022, Spectra had $6,923,374 in non-current loans and $126,000 in owned assets. To cover these potential losses it had $57,439,274 in net worth and $1,744,506 in loans loss reserves. That gives it a Texas Ratio of 11.91%.

Net Worth
Spectra U.S. Average
9.61% 12.75%

Spectra FCU has a net worth of 9.61% versus the BestCashCow average of 12.75. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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