Credit union · NCUA insured
St. Pius Federal Credit Union Auto Loan Rates
St. Pius Federal Credit Union auto loans start at 5.25% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How St. Pius Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Rochester, NY, where St. Pius Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
St. Pius Federal Credit Union
5.25%APR
- Terms
- 67–75 months
Newer Vehicle (2026-2024)
Lowest rate
Ontario Shores FCU
3.90%APR
- Terms
- —
2nd-lowest rate
Brockport FCU
3.99%APR
- Terms
- —
St. Pius Federal Credit Union auto loan score
73
Auto loan score
Higher than 33% of U.S. banks and credit unions
- New vehicleNew5.25%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Pius 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.
Newer Vehicle (2026-2024)
Rates and loan terms are determined based on applicant's past credit history and will vary based on credit score. Financing available to qualified borrowers. Rates do not apply to refinance of an existing loan with SPXFCU. Membership subject to eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.25% | Rate is APR as low as; determined based on credit history/score. |
| 49–66 months | 5.25% | Rate is APR as low as; determined based on credit history/score. |
| 67–75 months | 5.25% | Rate is APR as low as; determined based on credit history/score. |
| 76–84 months | 6.00% | Rate is APR as low as; determined based on credit history/score. |
Used Vehicle (2019-2016)
Rates and loan terms are determined based on applicant's past credit history and will vary based on credit score. Financing available to qualified borrowers. Rates do not apply to refinance of an existing loan with SPXFCU. Membership subject to eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.50% | Rate is APR as low as; determined based on credit history/score. |
| 49–66 months | 6.70% | Rate is APR as low as; determined based on credit history/score. |
| 67–75 months | 6.85% | Rate is APR as low as; determined based on credit history/score. |
Used Vehicle (2023-2020)
Rates and loan terms are determined based on applicant's past credit history and will vary based on credit score. Financing available to qualified borrowers. Rates do not apply to refinance of an existing loan with SPXFCU. Membership subject to eligibility.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 5.50% | Rate is APR as low as; determined based on credit history/score. |
| 49–66 months | 5.50% | Rate is APR as low as; determined based on credit history/score. |
| 67–75 months | 5.50% | Rate is APR as low as; determined based on credit history/score. |
| 76–84 months | 6.65% | Rate is APR as low as; determined based on credit history/score. |
Who can join St. Pius Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of affiliated churches, parishes, religious orders, and faith-based community groups are eligible to join.
Military, government and schools
- Members of Aquinas Institute are eligible to join.
- Members of Hope Hall are eligible to join.
- Members of Nazareth Elementary are eligible to join.
- Members of Robert Wesleyan College and North Eastern Seminary are eligible to join.
- Members of St. John’s The Evangelist Church and School are eligible to join.
4 more ways to join
Military, government and schools
- Members of St. Lawrence School are eligible to join.
- Members of St. Pius X Church & Schools are eligible to join.
- Members of St. Rita’s Church & School are eligible to join.
Family and household
- Family members of current SPXFCU members are eligible for membership.
Membership information collected October 5, 2026.