If you are looking for a new or used car or want to refinance the car you already have, SPXFCU will work with you to the finish line. We offer great low rates and flexible terms for both new and used autos!

Come by our office today and talk to a Product Manager you can TRUST!

• You can also find us right at the dealership – through indirect lending we have the ability to offer you one stop shopping with various dealers around the area.
• Want to lease a vehicle with the option to trade it in or purchase it at the end of your term? No problem, we have solutions that may work for you.
• In addition to low rates on car loans, we offer car buying resources that members can use to help them find that perfect car. Enterprise Car Sales offers competitive used car prices and backs each one with one of the industry’s best used car warranties. To make your used car buying experience even better, Enterprise’s professional staff is trained in a low-pressure sales process that puts customers’ needs first. Enterprise takes the stress out of buying a used car. You’ll never haggle with a salesperson. Car prices are always posted in plain view so you can avoid unpleasant negotiating. If you’re in the market for a used vehicle, stop by and visit Enterprise today at 4161 West Henrietta Road, Rochester NY.  Find Used  Vehicles Online at  enterprisecarsales.com

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Thinking of some home improvements, getting a pool, or just need extra cash, consider one of your lowest-cost resources – the equity in your home. With SPXFCU, we have two options that may work for you.

Home Advantage Line of Credit (HALOC)

A Home Advantage Line of Credit (HALOC)* gives you the flexibility to borrow funds as you need them. The line can be reused as it is paid down, without applying for a new loan. Using your line of credit is as easy as writing a check.

Home Advantage Line of Credit (HALOC) offers:

• Adjustable rate – adjusts quarterly
• 15 years revolving credit
• 15 years after to repay
• Rates based on Prime +/- a margin and based on credit score*
• No need to reapply during draw period
• Tax deductible (Consult your tax advisor)
• Minimum loan amount $10,000; with subsequent draws of $500

The possibilities are endless……….

• Home Improvement
• Cars or Campers
• Debt Consolidation
• Vacation
• Educational Expenses
• And More!

Tax Advantage Loan (TAL)

A Tax Advantage Loan (TAL) is a home equity loan that provides you the ability to borrow against your home, but offers these features:

• Adjustable rate – adjust every 5 years
• 15 years term – closed end loan
• Rates based on Prime +/- a margin and based on credit score*
• Tax deductible (Consult your tax advisor)

*Rates and loan terms are determined based on applicant’s past credit history.
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Tired of paying numerous credit cards and multiple payments – a consolidation loan can relieve your stress by offering one payment that will fit into 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.

Loan Application

Looking for your first house or want to refinance your home? With a qualified staff and various terms, we are able to help. For the best option to fit your needs, stop in our office and speak to a Product Manager today – TRUST us, we can help.

Adjustable Mortgages

• 1/1 year – Based on Prime +/- Margin – Max Maturity 30 yrs – 2% annual rate change maximum
• 3/3 year – Based on Prime +/- Margin – Max Maturity 30 yrs – 2% annual rate change maximum
• 5/5 year – Based on Prime +/- Margin – Max Maturity 30 yrs – 6% annual rate change maximum
• 7/5 year – Based on Prime +/- Margin – Max Maturity 30 yrs – 6% annual rate change maximum

All ARM’s include the following terms:

• Ceiling rate is 6% maximum increase over starting rate
• Monthly payments will change when loan adjusts
• Maximum Rate 18%
• Interest rate change will take effect on the first day after the fixed term expires
• Payments are due on the 1^st with a 15 day grace period – Late fee is 2% of monthly payment

Fixed Rate Mortgages

• 10 year – Based on Prime +/- Margin
• 15 year – Based on Prime +/- Margin
• Fixed rate mortgages greater than 15 years may be obtained through OwnersChoice Funding, Inc. www.ownerschoice.com
• Real estate loan pricing methods will be consistent with current market conditions and may change on a daily basis
• Payments are due on the 1^st with a 15 day grace period – Late fee is 2% of monthly payment

*Rates and loan terms are determined based on applicant’s past credit history.

Loan Application

SPXFCU offers credit cards that could actually SAVE you money with NO balance transfer fees, NO cash advance fees and LOW fixed rate options. And a bonus to you, we offer REWARDS!!

• Accumulated points can then be redeemed for awards
• Redeem points online for merchandise and travel rewards
• Use your card for everyday purchases and watch your points add up quickly
• Low fixed rates with no annual fees

Go to https://www.scorecardrewards.com to sign up and start shopping!

Go to https://www.ezcardinfo.com/ to make an online Visa payment.

Not a card holder yet? Apply today!

SPXFCU offers private student loans through our partner Student Choice.

Undergraduate Program

The Student Choice Undergraduate private loan solution was designed to fill the funding gaps that may exist after all-lower-cost sources of aid (including scholarships, grants and Federal Stafford loans) have been exhausted.

Private Consolidation Program

With a Student Choice private consolidation loan you will eliminate the hassle of multiple private student loan payments and likely reduce your interest rate, saving thousands over the life of the loan.

Visit http://spxfcu.studentchoice.org/

for all the information you need to get the process started!!

SPXFCU offers an array of loan products to help you purchase that something special or provide you with additional cash in your pocket. You can TRUST that we will help you to find the best product and rate to fit your needs.

We have loans available for:

• Boats
• Motorcycles
• Campers
• Recreational Vehicles
• Mobile Homes
• Education
• Home Improvements
• And whatever else you’re looking to do – the options are endless!

Stop by the credit union or give us a call at (585) 247-0724 today!

Loan Application