Credit union · NCUA insured
Spectra Credit Union CD Rates
Spectra Credit Union’s best CD rate is 4.25% APY on a 14-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Spectra Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Spectra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Spectra Credit Union
4.25%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $498
14-Month Certificate Special
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Spectra Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.60%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Spectra Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
80th Anniversary Certificate
Up to 8.00%APY · 1 term
17-month stepped-rate certificate. Minimum balance to open and obtain APY is $5,000.00; maximum balance is $25,000.00. Offer valid through April 30, 2026. Limit 1 certificate per member. Early withdrawal penalty calculated based on 180 days prior to withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 17 monthsDay 1 – 80: APY is 8.00% | 8.00% | $1,152 |
| 17 monthsDay 81 – Maturity: APY is 3.00% | 3.00% | $428 |
Sources (1)
- spectracu.com/rates/deposit-rates · captured Oct 4, 2026
14-Month Certificate Special
4.25%APY · 1 term
Minimum balance to open and earn promotional rate is $500. A penalty may be imposed for early withdrawal of funds. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 months | 4.25% | $498 |
Sources (2)
All captured Oct 4, 2026
Traditional Share Certificates
Up to 3.70%APY · 6 terms
Minimum balance required to open and earn stated dividends is $500. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.70% | $370 |
| 24 months | 3.65% | $743 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.60% | $1,934 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.70%APY · 4 terms
Available in Traditional and Roth IRAs for terms up to 3 years. Must meet Internal Revenue Code eligibility requirements. Minimum balance required to open and earn stated dividends is $500. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.30% | $164 |
| 12 months | 3.70% | $370 |
| 24 months | 3.65% | $743 |
| 36 months | 3.65% | $1,135 |
Sources (2)
All captured Oct 4, 2026
Who can join Spectra Credit Union
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