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 June 23, 2018

New & Used Auto
Term APR Other
0-48 Mos As low as 2.49%
49-60 Mos As low as 2.99%
61-72 Mos As low as 3.49%
73-84 Mos As low as 4.49% 2016 to 2018 model years only - Min $25K

First Time Auto Buyer
Term APR Other
0-48 Mos 8.49% Max $20k
49-60 Mos 8.99% Max $20k
61-72 Mos 9.49% Max $20k

Term APR Other
0-120 Mos 5.99% Max $75k

Term APR Other
0-60 Mos 5.99% Min $500 - Max $75k
61-120 Mos 5.99% Min $15k - Max $75k
121-180 Mos 7.49% Min $25k - Max $75k

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 5.00%
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%