Share the SPX FCU difference today, and let’s grow our trusted community together.
Get $50 for every family member you send our way for an auto loan.* To qualify, the new applicant must inform SPX FCU of the referral at the time of application or loan closing. See additional details below.
Spread the word, refinance to potentially lower your rate and save.
Want to calculate your monthly payment? Enter values into the calculator below.* This is only an estimate. You will need to speak to a SPX FCU representative for accurate quotes and payment options.
Copy this webpage link and email or text to your family: https://www.spxfcu.org/apply-for-an-auto-loan-today/
Apply for an Auto Loan Today!
*To earn $50 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 $250 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 $50 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. 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