Spectra Credit Union 1024 Saint Nicholas Drive, Waldorf, MD 20603

"Was happy to learn that Spectra Credit Union performs financial share co-op transactions with my credit union which helped save time and gasoline from driving to my bank and given I wasn't near my financial institution while running errands today. On the other hand, I was unable to conduct a deposit transaction via the drive-thru unexpectedly BECAUSE I am NOT a Spectra member. ONLY, Spectra members are allowed to conduct banking transactions via the drive-thru. This IS completely ludicrous! Therefore, I had to come inside the bank to complete the deposit slip and provide my ID. I am thankful to share that I have been to other credit unions and conducted business via the drive-thru without being a member of the institution. Spectre should revisit this policy and remove it. The process is the same to perform a deposit transaction for members and non-members. A completed and signed banking slip along with Identification. The purpose of the drive-thru customer experience is to save time and for convenience. Apparently, management at Spectra doesn't support this idea!"

"I have dealt with many financial institutions. Spectra is unquestionably the worst. Their website is actively misleading - it will claim that no payment on a loan is due, even though one is actually due and they'll charge you late fees if you don't make one. Not only that, I had issues where the website said I had no payment due, the website would not allow me to make a payment (because nothing was due!), and Spectra nonetheless claimed that there was an amount due because of accrued interest and then attempted to charge a late fee (which they eventually waived after I complained). Spectra also has a burdensome process for closing an account that requires hand-signing documents and sending a photo of a driver's license. They refused to close my savings account through their secure message system, although they did inform me that they'd begin to charge fees if I didn't close the account. Strongly recommend to stay away. Horrendous website, anti-customer policies, and generally bad service."

"Everytime I've come into the Waldorf branch Ms. Bwana Ferris has helped me resolve any issues that I've had. She's knowledgeable, always pleasant and friendly. She's a real asset to the Waldorf branch. Thank you Ms. Ferris!"

"I have had this bank since 2005 or 06. The name change made no difference to me. They have been a wonderful bank since day one years ago. I recently got a credit card and two weeks later a car loan. The process was so fast and friendly and very helpful. Maureen Cummins was wonderful thru the whole process. I could not wish for a better experience than I received. I thank you all for everything y’all do. Keep it up!!!!"

"I couldn't give less than one star, so one will have to do. I was in an emergency situation where I needed access to my account from a shared co-op bank. I was told all I had to do was go to the branch with my ID and my banking information and I would be able to access my money. I looked on the website and the hours of operation said they were open until 6:00pm, but when I arrived to the branch at 5:24pm, the doors were locked and the person inside didn't even address me. When I drove to the ONE available drive through and explained my dire situation, the teller was very dismissive and rude. I pleaded holding back my tears , begging that she make a one-time exception, explaining that I was in an emergency situation and didn't have any other place to go or other means to access my funds and she gave me a very generic, insincere "sorry" and told me again, I had to come into the lobby and fill out the paperwork. I understand rules and protocol, but I also understand human empathy and compassion. I HOPE AND PRAY that whomever that person is MEVER finds herself in a situation like me and is met with the same dismissal I met there today. I would NEVER take any of my business there. Ill never even use their ATM."