Spencerport Federal Credit Union
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Loan Rates

Loan Calculator Apply Online

Rates are subject to change and are dependent upon credit approval
Rates effective August 20, 2017

Automobile
Description APR
New or Used Car Purchases (up to 72 Mos) As low as 2.49%
New & Used Car Purchases (84 Mos) 2015 & newer model years only. $25,000 minimum loan As low as 3.99%
Refinances from another financial institution. (Up to 72 Mos) (Current SFCU loans excluded) As low as 2.49%
All vehicle loans must be for NYS Titled and Registered Vehicles.  

Boats and Campers
Description APR
New & Used Boats/Motors/Boat Trailers Purchases or refinances from other financial institutions As low as 4.99% for up to 120 Mos.
New & Used Campers/Motor Homes/5th Wheel Purchases and refinances from other financial Institutions As low as 4.99% for upt to 120 Mos.
New & Used Campers/Motor Homes/5th Wheel Purchases and refinances from other financial institutions As low as 6.49% for 121-180 Mos.

Miscellaneous Secured Loans
Description APR
ATV, Snowmobiles, Dirt Bikes, Jet Skis, etc As low as 5.99% up to 60 Mo

Home Loans
Description APR
Home Equity Line of Credit As low as 4.25%
Home Improvement As low as 6.99%

Personal Loans
Description APR
Up to 5 Years As low as 12.50%
Co-Maker Loan (up to 5 years) As low as 10.00%
Short Term Personal loan (12 months or less) $5000 Maximum As low as 8.5%

Credit Cards
Description APR
VISA Platinum Preferred with Score Card Points 11.90%

Line of Credit
Description APR
Credit Limits up to $5000.00 15.00%