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    Credit union mortgage rates
    Home state: Virginia
    Lends in 1 state

    SPECTRA mortgage rates

    SPECTRA's lowest publicly advertised 30-year fixed rate today is 7.194% APR — the national average is 7.147%. We read SPECTRA's rates every weekday, starting around 11 a.m. Central.

    We last read SPECTRA's rates page on Nov 2, 2026.

    Today's rates from SPECTRA

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.125%7.194%0Nov 2, 2026Visit
    15 Year Fixed6.625%6.734%0Nov 2, 2026Visit
    Visit SPECTRA's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SPECTRA

    Spectra Credit Union originally served the Naval Research Laboratory (NRL) and now provides a range of banking options to a diverse community including legacy employees and their associates.

    Employer
    Naval Research Laboratory

    Where SPECTRA writes mortgages

    SPECTRA publishes mortgage lending in 1 state.

    Virginia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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