Credit union · NCUA insured
Spojnia Credit Union Auto Loan Rates
Spojnia Credit Union auto loans start at 5.00% APR for a new vehicle and 5.19% for a used one. Rates checked October 16, 2026.
How Spojnia Credit Union’s auto loan rates compare
Compared with banks and credit unions near Scranton, PA, where Spojnia Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Spojnia Credit Union
5.00%APR
- Terms
- up to 60 months
New Vehicle Loan
Lowest rate
UFCW Community Federal Credit Union
3.70%APR
- Terms
- up to 60 months
2nd-lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
Spojnia Credit Union auto loan score
81
Auto loan score
Higher than 55% of U.S. banks and credit unions
- New vehicleNew5.00%
- Used vehicleUsed5.19%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spojnia 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.
New Vehicle Loan
100% Financing (excluding tax and tags). Car title required as collateral. Borrower must carry auto insurance against collision, fire, theft and comprehensive losses with loss payee clause in favor of Spojnia Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | — |
| up to 48 months | 4.90% | — |
| up to 60 months | 5.00% | — |
| up to 72 months | 5.11% | — |
Sources (2)
All captured Oct 6, 2026
Used Vehicle Loan
Maximum amount granted according to clean loan value listed in NADA Official Used Car Guide on vehicles 2017 or newer. Car title required as collateral. Borrower must carry auto insurance against collision, fire, theft, and comprehensive losses with loss payee clause in favor of Spojnia Credit Union.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.69% | Vehicles 2017 or newer |
| up to 48 months | 4.89% | Vehicles 2017 or newer |
| up to 60 months | 5.19% | Vehicles 2017 or newer |
| up to 72 months | 5.39% | Vehicles 2017 or newer |
Sources (2)
All captured Oct 6, 2026
Who can join Spojnia Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Branches, districts, affiliates, associations, and organizations of the Polish National Alliance are eligible for membership.
- Policyholders of the Polish National Alliance (having a policy or annuity) are eligible for membership.
- Parishes, affiliated church groups, associations, and organizations of the Polish National Catholic Church are eligible for membership.
Cost to join
- There is no membership fee to join.
- A minimum share deposit of $5.00 is required and must be maintained to remain a member.
Membership information collected October 5, 2026.