Credit union · NCUA insured
Spencerport Federal Credit Union Auto Loan Rates
Spencerport Federal Credit Union auto loans start at 4.99% APR for a new vehicle and 5.64% for a used one. Rates checked October 16, 2026.
How Spencerport Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where Spencerport Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spencerport Federal Credit Union
4.99%APR
- Terms
- up to 60 months
New & Used Auto – 2024 & Newer (includes motorcycles)
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
Spencerport Federal Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spencerport Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
First Time Auto Buyer Program
Applicant must: Be on their current job for 12 full months. Be making at least $15,000 per year (Verified with paystubs & W2) Not have any negative credit history Have a down payment (SFCU can finance up to 95% of NADA Retail selling price) Vehicle will need to be fully insured with collision, comprehensive & liability and a deductible of $500 or less.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 9.99% | Max. $20k; Rates are dependent upon credit approval. |
| up to 60 months | 10.49% | Max. $20k; Rates are dependent upon credit approval. |
| up to 72 months | 10.99% | Max. $20k; Rates are dependent upon credit approval. |
Sources (2)
- spnfcu.org/loans-and-mortgages…e-auto-buyer-program.php
- spnfcu.org/loans-and-mortgages/loan-rates.php
All captured Oct 16, 2026
New & Used Auto – 2024 & Newer (includes motorcycles)
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99% | Rates are subject to change and are dependent upon credit approval. Max $100k |
| up to 72 months | 5.29% | Rates are subject to change and are dependent upon credit approval. Max $100k |
| up to 84 months | 5.99% | Rates are subject to change and are dependent upon credit approval. Min $25K, Max $100k |
Sources (1)
- spnfcu.org/loans-and-mortgages/loan-rates.php · captured Oct 16, 2026
Used Auto – 2023 & Older (includes motorcycles)
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.64% | Rates are subject to change and are dependent upon credit approval. Max $100k |
| up to 72 months | 5.94% | Rates are subject to change and are dependent upon credit approval. Max $100k |
Sources (1)
- spnfcu.org/loans-and-mortgages/loan-rates.php · captured Oct 16, 2026
Who can join Spencerport Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Monroe or Orleans Counties, NY are eligible for membership.
Family and household
- Immediate family members (spouse, child, parent, grandparent, grandchild, sibling, step-parent, step-child, step-sibling) of current members are eligible for membership.
- Household members of current members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- The spouse of someone who died while part of the Spencerport Federal Credit Union field of membership is eligible to join.
Other ways
- Individuals who actively volunteer within communities in Monroe or Orleans Counties, NY are eligible for membership.
Cost to join
- Requires opening a Share Savings Account with an initial deposit of at least $20.
Membership information collected October 5, 2026.