Auto Loans
Looking for a new car? Want to refinance the one you have? Let SPXFCU give you the keys to financial freedom.
*All rates effective: September 5, 2023
| Loan Type | Maximum Term | APR as low as* | Estimated Payment/$1,000** |
|---|---|---|---|
| Newer Vehicle (2023-2021) | Up to 48 months | 6.49%* | $23.60 |
| 49 – 63** months | 6.79%* | $18.80 | |
| 64 – 66** months | 6.89%* | $18.13 | |
| 67 – 72** months | 6.99%* | $16.92 | |
| 73 – 84** months | 7.49%* | $15.21 | |
| Used Vehicle (2020-2017) | Up to 48 months | 6.79%* | $23.73 |
| 49 – 63** months | 7.09%* | $18.94 | |
| 64 – 66** months | 7.29%* | $18.32 | |
| 67 – 72** months | 7.79%* | $17.31 | |
| 73 – 84** months | 8.29%* | $15.61 | |
| Used Vehicle (2016-2013) | Up to 48 months | 8.04%* | $24.31 |
| 49 – 63** months | 8.34%* | $19.53 | |
| 64 – 66** months | 8.54%* | $18.92 | |
| 67 – 72** months | 9.04%* | $17.92 |
* 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.
Home Equity
Thinking of home improvements, installing a pool, or just need some extra cash? Consider one of your lowest cost resources: the equity in your home. At SPXFCU, we have two options that can work for you.
*All rates effective: August 7, 2023
| Loan Type | Maximum Term | APR as low as* | Estimated Payment/$1,000** |
|---|---|---|---|
| Home Advantage LOC | 15 years – 80% LTV1 | 8.00%* | $9.13 |
| 15 years – 90% LTV1 | 8.25%* | $9.27 | |
| Tax Advantage Home Equity | 15 years – 100% LTV1 | 9.00%* | $9.70 |
* 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.
Mortgage
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!
*All rates effective: February 2, 2023
| Loan Type | Maximum Term | APR as low as* | Estimated Payment/$1,000** |
|---|---|---|---|
| Adjustable Rate Mortgage 1/1 | 30 years – 80% LTV1 | 8.00% | $5.84 |
| Adjustable Rate Mortgage 3/3 | 30 years – 80% LTV1 | 8.00% | $5.84 |
| Adjustable Rate Mortgage 5/5 | 30 years – 80% LTV1 | 8.00% | $5.84 |
| Adjustable Rate Mortgage 7/5 | 30 years – 80% LTV1 | 8.25% | $6.00 |
* 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).
Consolidation/Personal Loan
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.
*All rates effective: January 9, 2023
| Loan Type | Maximum Term | APR as low as* | Estimated Payment/$1,000** |
|---|---|---|---|
| Personal | Up to 60 months | 11.70%* | $21.00 |
* 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.
Savings Accounts
Whether you want to put money away for a special occasion or big purchase, or simply save for the future, we have a savings option that suits your needs.
*All rates effective: January 9, 2023
| Account Type | Minimum Balance | Term | Rate | APY** |
|---|---|---|---|---|
| Share (savings) | $5.00 | N/A | 0.04% | 0.04% |
| Share Draft (checking) | N/A | N/A | 0.00% | 0.00% |
| Money Market | $2,500 – $24,999 | N/A | 1.73% | 1.75% |
| Money Market | $25,000 – $74,999 | N/A | 1.83% | 1.85% |
| Money Market | ≥ $75,000 | N/A | 1.98% | 2.00% |
| IRA Share* | $5.00 | N/A | 0.05% | 0.05% |
** Annual Percentage Yield (APY). Rates subject to change without notice. Membership subject to eligibility.
*Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Student Loans
Through our partnership with Student Choice, SPXFCU now offers private student loans.
*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.