Spectra Credit Union logo


Featured financial wellness topics from Spectra Credit Union. Sign up or log in for access to our complete library.

Financial Basics

Learn the basics of managing money, including financial health, budgeting, managing credit, plus more.

Woman with hand under trunk of tree with $ signs as leaves on chalkboard

Financial Health   

The concept of financial health is the foundation of any financial plan.
Woman's hand writing out three goals on yellow legal pad.

Introduction to Budgeting   

Why budgeting is important, no matter how much money you earn.
Hand running credit card through credit card machine.

Credit vs. Debit Cards   

Credit and debit cards each have pros and cons. When should you use each?
Boy Scout in uniform with hand raised for Scout Pledge. Boy Scouts written above.

Credit Reports and Scores   

Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
Personal Check with pen point on amount box.

Managing Accounts   

Account management strategies for checking and savings.
Credit Report with Score

Building Credit   

Understanding the decisions and behaviors that can lead to improved credit scores.
Woman's forehead leaning down on her hand.  Discouraged.

Identity Theft   

Understanding ID theft and how to prevent it.


This Week

Financial Concepts Everyone Should Understand

We review the financial concepts that everyone needs to be familiar with. The information we all need to flourish in today's world.

About Spectra Credit Union

Spectra is the financial partner you can trust. Founded in 1946 to serve the Naval Research Lab, Spectra is now a strong $500 million financial institution serving a wide field of members. We focus on delivering innovative service-oriented solutions that enable our members to live financially strong lives.

 Visit Us Online