The credit union will be closed Sunday and Monday (5/26 & 5/27). We have scheduled parking lot maintenance and sealing this upcoming weekend. The drive-thru loop will be temporarily closed Friday at 2pm until Saturday Morning. The main parking lot will be temporarily closed from Friday at 2pm until Sunday.

Mortgage Loans

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!

Apply for a Mortgage 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.

$0.00

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 ARMs include the following terms:

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

Current Rates

*All rates effective: October 10, 2023

Loan Type Maximum Term APR as low as*
Adjustable Rate Mortgage 1/1 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 3/3 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 5/5 30 years – 80% LTV1 8.00%
Adjustable Rate Mortgage 7/5 30 years – 80% LTV1 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.
1LTV – Loan to value – Appraised value less outstanding lien balance(s).

Fixed Rate Mortgages

  • 10-30 years – Based on Prime +/- Margin
  • Real estate loan pricing methods are consistent with current market conditions and may change on a daily basis
  • Payments are due on the 1st of the month with a 15-day grace period – late fee of 2% of monthly payment

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

Our Fixed Rate Mortgages are available through OwnersChoice Funding, Inc.

Visit the website at ownerschoice.com

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