Consolidation/Personal Loans

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.

Apply for a Consolidation/Personal Loan Today!

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.


If a consolidation or personal loan sounds right for you, fill out a loan application. Or, if you would like to hear more information, then stop by the credit union and talk to a representative today or give us a call at (585) 247-0724.

Current Rates

*All rates effective: June 11, 2024

Loan Type Maximum Term APR as low as*
Personal Up to 60 months 9.25%*

* 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.

See What the SPXFCU Family Are Saying

I would recommend SPX to anyone looking for a fair and supportive credit union!

Anthony V.


A great value we bring to our customers is that we are not just employees, we are lifelong members.

Bob C.


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.


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.


As a member of St. Pius Credit Union, I’ve experienced the most wonderful customer service assistance in banking.

Randolph G.


SPX has excellent customer service. Everyone is helpful and friendly!

Shirley D.