Student Loans

Through our partnership with Student Choice, SPXFCU now offers private student loans.

Apply for a Student 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.


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.

Learn more about our student loan options by visiting our Student Lending Center.

Current Rates

*All rates effective: January 9, 2023

Loan Type Maximum Term APR as low as* Estimated Payment/$1,000**
Student Loan – Undergraduate $75,000 max 4.95%* N/A
Student Loan – Consolidation $75,000 max 5.50%* N/A

* 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.

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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.

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

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