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 February 5, 2012

Automobile
Description APR
New Car Purchases (up to 72 Mos) As low as 3.49%
Used Car Purchases (Up to 72 Months) As low as 3.49%
Refinances from another financial institution. (Current SFCU loans excluded) As low as 3.49%
All vehicle loans must be for NYS Titled and Registered Vehicles.  

Credit Cards
Description APR
VISA Classic Card 11.90%

Home Loans
Description APR
Home Equity Line of Credit As Low As*WSJ Prime + 0%
Fixed Rate Home Equity Loan 5 Yrs As Low As 4.99%
Fixed Rate Home Equity Loan 10 Yrs As Low As 4.99%
Fixed Rate Home Equity Loan 15 Yrs As Low As 4.99%
Home Improvement As low as 6.99%

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

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

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) As low as 8.5%

RVs, Trailers, Boats
Description APR
New & Used Boats, RVs, Trailers (7 Years or less) As low as 6.50%
New & Used Boats, RVs, Trailers (85 to 120 Months) As low as 6.50%