Spencerport Federal Credit Union
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Loan Desk

Loan Rates Loan Calculator Apply Online

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General Loans
VISA Credit Cards
Loan Protection Insurance
FACT Act Disclosure
Enterprise Car Sales

General Loans Interest is charged only on the unpaid balance and there is no penalty for early payoff or larger payments. Loan payments may be made automatically from your Credit Union account, by mail, by our night depository, through CU-Connect, in person, via Online Bill Pay you set up elsewhere, or via ACH debits from another financial institution that we can set up for you.

Please check out our loan rates page for current rates.

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VISA Credit Cards

SFCU offers credit cards that can SAVE you money!

  • NO balance transfer fees
  • NO cash advance fees
  • No annual fee
  • Fixed Rate of Interest
  • AND... SCORECARD REWARDS which can be redeemed for merchandise and travel rewards!! Use your card for everyday purchases and watch your points add up quickly
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? Click here to download an application and complete disclosure.

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Loan Protection Insurance

Life and disability insurance coverage is available at low cost to members when taking out a loan.  This insurance will make loan payments if a member is sick or otherwise disabled. In order to keep costs at a minimum, this coverage requires the member to be unable to work for 30 days before coverage begins, and will cease when the member is able to return to usual duties. This product is not insured by NCUA, not underwritten or guaranteed by NCUA, and there is no requirement to purchase as a condition of the loan.

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FACT Act Disclosure

The FACT Act requires Credit Unions to notify members of any negative information the Credit Union furnishes to a consumer reporting agency. Therefore, we may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit score.

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Enterprise Car Sales

Click here to check out the inventory at your local Enterprise.

Enterprise Car Sales and Spencerport Federal Credit Union have teamed up to offer a great car buying experience to members. You also don't need to worry about haggling and negotiating. All Enterprise cars feature one haggle-free price. Plus, Enterprise is always ready and willing to take your trade-in.

That's not all! Every Enterprise car comes with a 12,000 mile / 12 month limited warranty.

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