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: November 8, 2024
| Loan Type | Maximum Term | APR as low as* |
|---|---|---|
| Newer Vehicle (2024-2022) | Up to 48 months | 5.99%* |
| 49 – 66** months | 6.29%* | |
| 67 – 75** months | 6.39%* | |
| 76 – 84** months | 6.89%* | |
| Used Vehicle (2021-2018) | Up to 48 months | 6.29%* |
| 49 – 66** months | 6.59%* | |
| 67 – 75** months | 6.84%* | |
| 76 – 84** months | 7.39%* | |
| Used Vehicle (2017-2014) | Up to 48 months | 7.54%* |
| 49 – 66** months | 7.84%* | |
| 67 – 75** months | 8.09%* |
* 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.
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: December 19, 2024
| Loan Type | Maximum Term | APR as low as* |
|---|---|---|
| Home Equity Line of Credit | 15 years – 80% LTV1 | 7.00%* See current promotion. |
| Home Equity Line of Credit | 15 years – 90% LTV1 | 7.25%* See current promotion. |
| Home Equity Loan (60 to 180 months) | 15 years – 100% LTV1 | 7.25%* |
| Home Equity Loan (up to 60 months) | 5 years – 100% LTV1 | 7.00%* |
* 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: September 19, 2024
| Loan Type | Maximum Term | APR as low as* |
|---|---|---|
| Please contact the Credit Union at (585)247-0724 |
* 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: December 19, 2024
| Loan Type | Maximum Term | APR as low as* |
|---|---|---|
| Personal | Up to 60 months | 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.
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: September 19, 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 | 0.99% | 1.00% |
| Money Market | ≥ $75,000 | N/A | 1.49% | 1.50% |
| 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.
Share Certificates
Our Share Certificates1 are a secure investment that comes in all sizes.
*All rates effective: December 2, 2024
| Term | Minimum Balance | APY** | Rate |
|---|---|---|---|
| 6 Month | $500 | 4.25% | 4.16% |
| 8 Month | $500 | 3.00% | 2.96% |
| 12 Month | $500 | 4.00% | 3.92% |
| 24 Month | $500 | 3.60% | 3.54% |
| 36 Month | $500 | 3.25% | 3.20% |
| 48 Month | $500 | 3.25% | 3.20% |
| 60 Month | $500 | 3.25% | 3.20% |
| 6 Month Jumbo | $100,000. | 4.25% | 4.16% |
| 12 Month Jumbo | $100,000. | 4.00% | 3.92% |
| 24 Month Jumbo | $100,000. | 3.70% | 3.63% |
| 36 Month Jumbo | $100,000. | 3.40% | 3.34% |
| 48 Month Jumbo | $100,000. | 3.40% | 3.34% |
| 60 Month Jumbo | $100,000. | 3.40% | 3.34% |
** Annual Percentage Yield (APY). Rates subject to change without notice. Membership subject to eligibility.
1Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Student Loans
Through our partnership with Student Choice, SPX FCU offers private student loans and student loan refinancing options!