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Loan Options

Spectrum Credit Union offers many different loan products for you to choose from to meet your needs.  Are you confused as to whether you need a fixed rate or adjustable rate mortgage?  To help you determine which product is best for you, click on the appropriate tabs for a full description of the different mortgage types we offer.  After you've decided, use "Loan Consultant" to help you find the best products and current rates to meet your needs.
  • Fixed Rate Mortgages

    Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.
  • Adjustable Rate Mortgages

    Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.
  • Jumbo Loans

    Need to borrow more than $417,000? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.
  • Home Equity Loans

    Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.

Mortgage Rates

The Loan Consultant feature determines the products and rates that match your needs.

Ready to Start?

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

Apply