Spectrum Credit Union Mortgage Rates
Spectrum Credit Union currently offers a 30-year fixed mortgage at 6.844% APR, 0.26 points above the national average. Spectrum Credit Union publishes rates for 2 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.84% | 0.00 |
| 15-Year Fixed | 6.00% | 6.15% | 0.00 |
Spectrum Credit Union Eligibility
Anyone can join by becoming a member of a partner nonprofit association such as the Financial Fitness Association (~$8 fee, paid by Spectrum). Also open to employees of Bechtel Corporation, sponsor organizations, or those who live/work/worship/attend school in select areas of San Francisco, CA or Frederick County, MD.
Openness: open
