The credit union will be closed on Sunday and Monday, in observance of the Memorial Day holiday.

Loan Solutions

Competitive Rates. Local Service. Financial Solutions.

At SPX FCU, we believe borrowing should be clear, affordable, and personal. Whether you are consolidating debt, financing a vehicle, or using your home’s equity, our loan solutions are built to support your financial goals with competitive rates and trusted local service in Rochester, NY.

Explore our current loan offers below and see how SPX FCU can help.

Home Equity Loan

As Low As 5.99% APR*

Put your home’s value to work for you with a fixed-rate home equity loan from SPX FCU.

  • Rates as low as 5.99% APR*
  • Fixed interest rate for the life of the loan
  • Terms up to 15 years
  • Borrow up to 100% Loan to Value (LTV)

Whether you are planning home improvements, consolidating higher-interest debt, covering education expenses, or managing major purchases, a fixed-rate home equity loan provides predictable payments and long-term stability.

If you are searching for a home equity loan in Rochester, NY, with competitive rates and personal service, SPX FCU is here to help. Apply today or speak with our lending team to see how much you may qualify to borrow.

Apply Online

Debt Relief Loan

As Low As 8.00% APR*

Chill out your debt payments and simplify your finances!

Our Debt Relief Loan allows you to consolidate credit cards, personal loans, or other higher-interest debt into one simple monthly payment.

  • As low as 8.00% APR* for qualified borrowers 
  • Borrow up to $10,000 
  • Terms up to 84 months 
  • Option to delay your first payment for 60 days 

Consolidating debt can help reduce stress, improve cash flow, and create a clearer path forward. If you are looking for a debt consolidation loan in Rochester, NY, SPX FCU offers straightforward terms and supportive service every step of the way.

Contact us today to review your options and see how much you could save.

Apply Online

Auto Loans

New and Used Auto Loan Financing in Rochester, NY

Whether you are buying new, purchasing used, or refinancing your current vehicle, SPX FCU offers competitive auto loan rates and local decision-making you can trust. Our auto loans feature:

  • Competitive fixed rates
  • Flexible repayment terms
  • Local servicing
  • Simple pre-approval process

Refinancing your current auto loan may help lower your monthly payment or reduce your interest rate. If you are searching for auto loan rates in Rochester, NY, start with SPX FCU.

Apply Online

Earn $100* with Our Auto Loan Referral Bonus

Know someone shopping for a vehicle or looking to refinance? When you refer a friend or family member to SPX FCU for an auto loan and the loan closes, you will receive a $100 referral bonus.* It’s our way of saying thank you for sharing the credit union difference.

Ask us for referral details and eligibility requirements!

Your Partner in Every Loan

We are committed to helping members make informed borrowing decisions. Our lending team will walk you through your options and help you choose the solution that fits your needs.

SPX FCU should be your first choice for loans. We offer:

Ready to Get Started?

Apply online, visit our office, or call 585-247-0724 to speak with a lending specialist.

St. Pius X Church FCU (SPX FCU)

Your local partner for home equity loans, debt consolidation loans, and auto financing in Rochester, NY.

*APR = Annual Percentage Rate. Rates, terms, and eligibility subject to creditworthiness, membership eligibility, and underwriting guidelines. Rates and terms may change without notice. Federally insured by NCUA. Equal Housing Lender. *$100 Bonus Offer: To earn $100 through the SPX FCU auto loan referral program, you must be a current member in good standing. Your referral must be a new member with no active SPX FCU accounts in the past 24 months. The referred auto loan must be approved, funded, and at least $10,000. To qualify, the new applicant must inform SPX FCU of the referral at the time of application or loan closing. If the referral is not disclosed during this time, the incentive will not be paid. Referring members may earn up to $500 per calendar year by referring a maximum of five new members. Bonus payments may take up to 90 days to post. SPX FCU employees and volunteers are not eligible for this offer. Referring and referred members must be in good standing to receive the bonus. In accordance with IRS regulations, SPX FCU will report the $100 bonus on a 1099-INT form. Any applicable taxes are the responsibility of the recipient. Offer subject to credit approval. Membership eligibility required. Promotion may change or end at any time without notice and cannot be combined with other offers, specials, or promotions.