Rates

Auto Loans

Looking for a new car? Want to refinance the one you have? Let SPXFCU give you the keys to financial freedom.

*All rates effective: February 8, 2024

Loan Type Maximum Term APR as low as*
Newer Vehicle (2024-2022) Up to 48 months 7.09%*
49 – 63** months 7.39%*
64 – 66** months 7.49%*
67 – 72** months 7.59%*
73 – 84** months 8.09%*
Used Vehicle (2021-2018) Up to 48 months 7.39%*
49 – 63** months 7.69%*
64 – 66** months 7.89%*
67 – 72** months 8.39%*
73 – 84** months 8.89%*
Used Vehicle (2017-2014) Up to 48 months 8.64%*
49 – 63** months 8.94%*
64 – 66** months 9.14%*
67 – 72** months 9.64%*

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.

Home Equity

Thinking of home improvements, installing a pool, or just need some extra cash? Consider one of your lowest cost resources: the equity in your home. At SPXFCU, we have two options that can work for you.

*All rates effective: October 10, 2023

Loan Type Maximum Term APR as low as*
Home Advantage LOC 15 years – 80% LTV1 8.00%*
15 years – 90% LTV1 8.25%*
Tax Advantage Home Equity 15 years – 100% LTV1 9.00%*

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.

Mortgage

Looking for your first house or want to refinance your home? With a qualified staff and various terms, SPXFCU is able to help! For the best option to fit your needs, stop by our office and speak to a product manager today or give us a call at (585) 247-0724. Trust us, we can help!

*All rates effective: October 10, 2023

Loan Type Maximum Term APR as low as*
Adjustable Rate Mortgage 1/1 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 3/3 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 5/5 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 7/5 30 years – 80% LTV1 8.25%

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.
1LTV – Loan to value – Appraised value less outstanding lien balance(s).

Consolidation/Personal Loan

Tired of paying numerous credit cards and multiple payments? A consolidation loan can relieve your stress by offering one payment that fits your budget. Better yet, looking for some extra vacation funds or planning a wedding? Our personal loans can help with whatever your needs may be.

*All rates effective: October 10, 2023

Loan Type Maximum Term APR as low as*
Personal Up to 60 months 11.70%*

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.

Savings Accounts

Whether you want to put money away for a special occasion or big purchase, or simply save for the future, we have a savings option that suits your needs.

*All rates effective: February 2, 2024

Account Type Minimum Balance Term Rate APY**
Share (savings) $5.00 N/A 0.04% 0.04%
Share Draft (checking) N/A N/A 0.00% 0.00%
Money Market $2,500 – $24,999 N/A 0.75% 0.75%
Money Market $25,000 – $74,999 N/A 1.24% 1.25%
Money Market ≥ $75,000 N/A 1.73% 1.75%
IRA Share* $5.00 N/A 0.05% 0.05%

** Annual Percentage Yield (APY). Rates subject to change without notice. Membership subject to eligibility.
*Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.

Student Loans

Through our partnership with Student Choice, SPXFCU now offers private student loans.

*All rates effective: October 10, 2023

Loan Type Maximum Term APR as low as*
Student Loan – Undergraduate $75,000 max 4.95%*
Student Loan – Consolidation $75,000 max 5.50%*

* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history will vary based on credit score. Financing available to qualified borrowers. Terms and conditions subject to credit union approval. Rates do not apply to refinance of an existing loan with SPXFCU. Rates subject to change without notice. Membership subject to eligibility. Other terms available.
**Estimate includes principal and interest only for longest term.