Get the Gift of $500 Cash Back for Auto Loans

At SPCO Credit Union, we make the process of buying a car convenient and affordable. We’ll walk you through buying a car and help you save money in the process. We also offer special discounts of up to 0.75%* off of your approved auto loan rate.

With excellent rates, fewer fees, and convenient payment options, SPCO Credit Union makes purchasing your next vehicle easy.

New | Used | Refinances

Get up to $500 Cash Back*

Up to 90 Days No Payments*


*Current SPCO auto loans are NOT eligible for this refinance offer. Member must mention this promotion when applying for or closing their vehicle loan to be eligible to receive cash back. Up to $500 cash incentive equal to one percent (1%) of the vehicle loan balance financed at SPCOCU. 1% of a $30,000 loan amount is $300. Cash back bonus will be deposited into the members’ SPCO savings account at loan closing. You must be a member in good standing to qualify. Bonus is considered interest and may be reported on IRS Form 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters. Maximum no payments for 90 days available to qualifying members. Rates as low as 3.50% APR. APR = Annual Percentage Rate. Risk-Based Pricing Notice: The Annual Percentage Rate (APR) is quoted “as low as” depending on the applicant’s individual credit history. Rates quoted are based on approved credit. Your APR may be higher based on your credit information obtained from consumer credit reporting agencies. A $35,000 loan at 3.50% APR for 60 months would have 60 equal payments of $636.71. Offer subject to change at any time and ends December 31, 2022.