Rates – Loans

Rates effective as of July 2, 2018.

Vehicle Loans

Vehicle Loan Rates:
0 – 36 Months 3.40% – 18.00% APR*
37 – 48 Months 3.40% – 18.00% APR*
49 – 60 Months 3.40% – 18.00% APR*
61 – 84 Months 4.40% – 18.00% APR*
Motorcycle Loan Rates: 2006 – Current Model Year
0 – 36 Months 8.40% – 18.00% APR*
37 – 48 Months 8.40% – 18.00% APR*
49 – 60 Months 8.40% – 18.00% APR*
61 – 84 Months (2011 – Current Model Year) 9.40%- 18.00% APR*
Recreational Vehicle Loan Rates:
0 – 36 Months 7.40% – 18.00% APR*
37 – 48 Months 7.40% – 18.00% APR*
49 – 60 Months 7.40% – 18.00% APR*
61 – 84 Months 7.40% – 18.00% APR*
85-120 months (Recreational vehicles >$25,000) 7.80% – 18.00% APR*

*APR = Annual Percentage Rate

Loan rates are based on credit worthiness of applicants and may vary from those shown above. Refinancing a current SPE FCU loan requires adding $2,500 to the loan; the vehicle value must be sufficient collateral for the loan. These rates are subject to change at any time.

Home Loans

Home Equity Fixed Term Loans
0 – 36 Months 3.49% – 18.00%APR*
37 – 60 Months 3.49% – 18.00%APR*
61 – 84 Months 3.99% – 18.00%APR*
85 – 120 Months 4.99% – 18.00%APR*
121 – 180 Months 5.79% – 18.00% APR*
Addtional Rates Available up to 95% LTV
Prime Home Equity Variable Lines of Credit
No term/Revolving 5.75% APR**

Promotional Rate of 1.99% APR*** for 24 months available for a limited time. Check out our HELOC page for more details.

Home Loans (Mortgage)
Check rates, Learn More, Pre-qualify, Pre-approve, or Apply for a home loan at the press of a button!
For Jumbo Rates on home loans over $417,000, call us at (877) 342-5975.

*APR = Annual Percentage Rate. Minimum loan amount is $10,000; maximum is $200,000. Loans under $10,000 are available. Check with the credit union for rates. Loan rates are based on credit worthiness of applicants and may vary from those shown above. Pay $194 for every $10,000 borrowed at 5.99% for 60 months. Example for illustration purposes only.

**APR = Annual Percentage Rate. This is a variable rate line of credit based on the Prime Rate plus 0.75% margin. The annual percentage rate can change on the first day of each month. The minimum payment is $100. rounded to the nearest $1.00. The maximum APR is 18%. After you obtain the first advance, the minimum amount of each subsequent advance is $300.

***1.99 Introductory Annual Percentage Rate (APR) applies for 24 months upon loan closing and with auto-payments deducted from an SPE checking account. After 24-months, any remaining balance plus subsequent advances are subject to a standard variable APR, currently 5.50%-18.00% based on your credit history. Rates current as of 04/04/2018. Minimum Loan amount is $10,000. Maximum LTV is 90%. Applicable to owner-occupied primary residence only. Property and Hazard insurance required; flood insurance may be required. Consult with your tax advisor on possible tax benefits. SPE covers the closing and appraisal costs. Additional fees may apply. After the first advance, the minimum amount of each subsequent advance is $300. The monthly payment may vary based on loan balance and market conditions. SPE reserves the right to end this promotional rate at any time. New money loans only. Certain additional restrictions may apply. For further information regarding this promotion please contact the credit union.

For a better understanding of Home Equity Lines of Credit please read: What you should know about Home Equity Lines of Credit

Consult a tax advisor regarding the deductibility of interest.

NMLS #648706

Unsecured Loans

Unsecured Fixed Personal Loans
0 – 12 Months 7.40% – 18.00% APR*
13 – 36 Months 7.40% – 18.00% APR*
37 – 48 Months 7.40% – 18.00% APR*
49 – 60 Months 7.40% – 18.00% APR*
Unsecured Lines of Credit
0 – 12 Months 12.40% APR*
13 – 36 Months 12.40% APR*
37 – 48 Months 12.40% APR*
49 – 60 Months 12.40% APR*

*APR = Annual Percentage Rate. Minimum loan is $1,000. Loan rates are based on credit worthiness of applicants and may vary from those shown above. To refinance an existing SPE FCU loan, an additional $1,000 must be added to the loan.

Other Loans

Lot Loans
1 – 84 Months 7.69% APR*
Land Loans
0 – 60 Months 8.95% APR*
61 – 84 Months 9.95% APR*
Share Secured Loans
All Terms 4.83% APR*

*APR = Annual Percentage Rate. Loan rates are based on credit worthiness of applicants and may vary from those shown above.

Mastercard Credit Cards

Mastercard Credit Card 9.40% – 18.00% APR*

*APR = Annual Percentage Rate. Loan rates are based on credit worthiness of applicants and may vary from those shown above.