Spectra Credit Union is a member-owned financial cooperative serving residents, employees, and organizations within its field of membership, with the Alexandria, Virginia branch at 1460 N Beauregard St. The organization traces its identity to the cooperative banking model, emphasizing democratic control by members and a not-for-profit structure designed to reinvest earnings in member services and community initiatives. As a credit union, its foundation lies in providing financial products and services through member deposits, loan products, and various accounts, all governed by a shared strategic framework that prioritizes affordability and accessibility.
Historically, Spectra Credit Union has evolved within the broader U.S. credit union sector, reflecting regulatory alignment with National Credit Union Administration guidance and federal or state supervision as applicable. Its operational scope typically includes routine financial transactions, savings and loan operations, and member education initiatives, delivered through branch networks, digital channels, and member support staff. The organization functions as a community-focused financial institution, aligning member interests with prudent financial stewardship and access to essential financial services for eligible individuals.
Better than 50% of providers in Alexandria
In addition to the primary service, Spectra Credit Union also offers:
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Spectra Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Spectra Credit Union is listed as a financial service provider in Alexandria, VA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Spectra Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Spectra Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Spectra Credit Union with other providers in Alexandria and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Spectra Credit Union has a rating of 3.2, which is better than 50% of providers in Alexandria.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Spectra Credit Union requests. It is always best to call ahead using the phone number on this page so Spectra Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Spectra Credit Union also offers: Credit union, ATM, Federal credit union, Mortgage lender.