2998 Chili Ave. Rochester, NY 14624 | (585) 247-0724 Contact Us

Proudly servicing our members since 1967!

* All rates effective August 30, 2015

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Loan Amount ($) No. of payments (Monthly) Rates (%) Payment
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Account Type Minimum Balance Term Rate APY**
Share (savings) $5.00 N/A 0.15% 0.15%
Share Draft (checking) N/A N/A 0.00% 0.00%
Money Market $2,500 – $49,999 N/A 0.25% 0.25%
Money Market > $50,000 N/A 0.40% 0.40%
IRA Share1 $5.00 N/A 0.15% 0.15%
Share Certificates & IRA Certificates1 $500 6 months 0.45% 0.45%
Share Certificates & IRA Certificates1 $500 12 months 0.65% 0.65%
Share Certificates & IRA Certificates1 $500 24 months 0.90% 0.90%
Share Certificates & IRA Certificates1 $500 36 months 1.10% 1.10%
Share Certificates & IRA Certificates1 $500 60 months 1.50% 1.50%
Jumbo Certificates1 $100,000 Call for terms Call for rates Call for rates
** Annual Percentage Yield (APY)
1Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Loan Type Maximum Term APR as low as* Estimated Payment/$1,000**
New Auto (Never Titled) Up to 48 months 2.49%* $21.91
49 – 63** months 2.74%* $17.06
64 – 66** months 3.24%* $16.56
67 – 72** months 3.49%* $15.41
  73 – 84** months 4.24%* $13.78
Used Auto (2010-2015) Up to 48 months 2.49%* $21.91
49 – 63** months 2.74%* $17.06
64 – 66** months 3.49%* $16.67
67 – 72** months 4.49%* $15.87
73 – 84** months 5.74%* $14.48
Used Auto (2005-2009) Up to 48 months 3.49%* $22.35
49 – 63** months 3.74%* $17.51
64 – 66** months 4.49%* $17.13
Personal Up to 60 months 10.50%* $21.49
Overdraft Line of Credit N/A 10.50%* $21.49
Share Secured 12 Years 3.65% $8.59
Visa Credit Card Classic $2,500 limit 12.90% 3.5% of balance or $25 min pymt
Visa Credit Card Gold $2,500 minimum 8.90% 3.5% of balance or $25 min pymt
Student Loan – Undergraduate $75,000 max 4.95%* N/A
Student Loan – Consolidation $75,000 max 5.50%* N/A
Home Advantage LOC 15 years – 80% LTV1 4.50%* $7.65
  15 years – 90% LTV1 5.00%* $7.91
Tax Advantage Home Equity 15 years – 100% LTV1 5.50%* $8.17
Fixed Rate Mortgage Available through OwnersChoice Funding, Inc.
Visit the website www.ownerschoice.com
Adjustable Rate Mortgage 1/1 30 years – 80% LTV1 3.50% $4.49
Adjustable Rate Mortgage 3/3 30 years – 80% LTV1 3.50% $4.49
Adjustable Rate Mortgage 5/5 30 years – 80% LTV1 3.50% $4.49
Adjustable Rate Mortgage 7/5 30 years – 80% LTV1 3.75% $4.63
* 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).