NRL Federal Credit Union, founded in 1946 to serve scientists and staff at the U.S. Naval Research Laboratory, rebranded as Spectra Credit Union in October 2021. Headquartered in the Washington, DC / Alexandria, Virginia area, it serves about 27,000 members across Virginia, Maryland, and DC, with roughly $608 million in assets.

What started in 1946 as NRL Federal Credit Union � built by Naval Research Laboratory scientists � is now Spectra Credit Union, still serving the greater DC, Maryland, and Virginia community with the same not-for-profit, member-first mission. If you're a member handling loan payments or everyday spending, open the Fluz app to earn cashback and rewards on eligible activity, adding real value on top of the banking relationship you already have. With nearly 27,000 members and a name that reflects the diversity of who it serves today, this credit union � and Fluz � is all about getting more for the people who show up for it.