MORE CASH. LESS INTEREST.
Get the extra cash you need for gifts, travel, and more with Spencerport FCU's Holiday Personal Loan.
Rates as Low as 6.50% APR*
Borrow Up to $6,500 | 12-Month Term
November 1, 2026 – January 31, 2027
How to Apply
We offer the following types of consumer loans. You can apply online or stop by the branch for an application. You may also call the credit union and we would be happy to mail you an application.
- New and Used Cars
- First Time Auto Buyer Loans
- Motorcycles, Boats, and RVs
- Other secured loans (ATVs, Snowmobiles, etc)
- Personal
- Home Improvement 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 SFCU online banking, 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.
Other Loans
Loan Protection Insurance
Life and disability insurance coverage is available at low cost to members when taking out a loan. This type of insurance protects the borrower in the event of an unexpected life event, such as disability or death. It is not a required as a condition of the loan.
GAP (Guaranteed Asset Protection) Insurance
Vehicles depreciate the second they’re driven off the dealer’s lot. When a vehicle is totaled in an accident or stolen and not recovered, you could owe more than the vehicle is worth. GAP is designed to cover the difference between the insurance settlement and the loan balance. It does not cover your insurance deductible. It is available on vehicle secured loans but is not required as a condition of the loan.
*APR = Annual Percentage Rate. Rates as low as 6.50% APR apply to qualifying personal loans with a 12-month repayment term and a maximum loan amount of $6,500. Promotional offer valid November 1, 2026, through January 31, 2027. To qualify, a completed loan application must be received by January 31, 2027. Existing Spencerport Federal Credit Union loans are not eligible for refinancing under this promotion. All loans are subject to credit approval. Final rates may vary based on creditworthiness. Rates, terms, and conditions are subject to change. Membership eligibility is required. See Spencerport Federal Credit Union for complete details. Federally insured by NCUA.