Spencerport

PO Box 86, Spencerport, NY 14559

NCUA Insured4.3 (18 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1962

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Spencerport, NY may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1962

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 86

Spencerport, NY 14559

Google Maps 🗺Waze

(585) 352-6890

Service Area

This credit union is located in Spencerport and serves members in the NY area. Currently serving 4,465 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.07%

Used Auto Loan

6.10%

Personal Loan

10.31%

Credit Card APR

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Niagara'S Choice— New Auto Loan

Niagara Falls, NY

1.74%

New York Times Employees— Used Auto Loan

New York, NY

2.49%

Palisades— Personal Loan

Pearl River, NY

2.99%

Eastern Operating Engineers— Credit Card APR

Whitestone, NY

3.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.3

18 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Carol Oehlbeck

6 years ago

Great place to do business! My husband and I have been members for many years and have had several types of loans here. They are always very helpful and considerate. They staff is very friendly and will do everything they can to meet your needs. The rates are always competitive and usually the best around. If you are in the market for a great credit union be sure to check out this one!

Erin Gonzalez

9 years ago

Absolutely awesome credit union! Their willingness to go above and beyond for their customers is amazing. My husband and I have been banking with them for a while now and would highly recommend if you are in the market for a credit union!

Kerrie M

6 years ago

Absolutely the best! I am a long time (20+ year) member. Good rates and loans. They help you every step of the way. The personal service and attention to detail you receive at SFCU is above and beyond a traditional bank. Definitely 5 stars! Recommend!

J S

6 years ago

Great place to get a first time buyers loan with a manageable interest rate and friendly, understanding employees. Got my first auto loan through them and they have been amazing over the years.

Christopher Lysy

3 years ago

I have been a member of spencerport Federal credit Union for over 20 years. This is the best experience I have ever had with the financial institution. They go above and beyond to help you.