Make winter easier with stress-free savings on your auto loan.
Upgrade your ride or refinance your auto loan from another lender – and delay payments for 60 days!*
- Refinance to potentially lower your rate and save.
- No payments for 2 months gives you breathing room.
- Financing a new loan? Start fresh with extra time to pay
Apply for an Auto Loan Today!
*This promotion postpones the first two monthly payments. Loan interest will still accumulate at the daily rate from the date of loan disbursal. Loan interest that accumulates during the 60-day extended promotion payment period will be paid beginning with the first payment. All loans subject to credit approval and standard underwriting guidelines apply. Promotion may not be used to refinance current SPX FCU loans. Membership eligibility required. Limited time offer and can be withdrawn at any time at the discretion of the credit union. Federally insured by NCUA.
Rates Calculator
Want to calculate your monthly payment? Enter values into the calculator below. Add extra rows to compare different values.
*This is only an estimate. You will need to speak to a SPXFCU representative for accurate quotes and payment options.
Current Rates
*All rates effective: March 6, 2025
| Loan Type | Maximum Term | APR as low as* |
|---|---|---|
| Newer Vehicle (2025-2023) | Up to 48 months | 5.69%* |
| 49 – 66** months | 5.85%* | |
| 67 – 75** months | 5.99%* | |
| 76 – 84** months | 6.29%* | |
| Used Vehicle (2022-2019) | Up to 48 months | 5.99%* |
| 49 – 66** months | 6.19%* | |
| 67 – 75** months | 6.49%* | |
| 76 – 84** months | 6.89%* | |
| Used Vehicle (2018-2015) | Up to 48 months | 6.99%* |
| 49 – 66** months | 7.19%* | |
| 67 – 75** months | 7.34%* |
* Annual Percentage Rate (APR) Rates and loan terms are determined based on applicant’s past credit history and 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.
See What the SPXFCU Family Are Saying
I would recommend SPX to anyone looking for a fair and supportive credit union!
Anthony V.
member
A great value we bring to our customers is that we are not just employees, we are lifelong members.
Bob C.
employee
Everyone is treated like family at SPX. I’m proud to work here and I’m thankful that everyone at St. Pius is a part of my life.
Katelyn M.
employee
We offer a personalized service to our membership that is unmatched by our competition. We help create a more financially sound future for our members.
Matt A.
employee
As a member of St. Pius Credit Union, I’ve experienced the most wonderful customer service assistance in banking.
Randolph G.
member
SPX has excellent customer service. Everyone is helpful and friendly!
Shirley D.
member