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    SPECTRA mortgage rates

    SPECTRA's lowest publicly advertised 30-year fixed rate today is 6.875% — the national average is 6.88%. That's about $481 saved over the life of a $400,000, 30-year loan. We track SPECTRA daily and refresh rates every morning.

    Today's rates from SPECTRA

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.875%6.942%0Sep 11, 2026Visit
    15 Year Fixed6.375%6.483%0Sep 11, 2026Visit
    Visit SPECTRA's rates page

    Rate history

    Lowest daily rate SPECTRA advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with SPECTRA.

    Virginia

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

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