These Upgrades Come Standard

New | Used | Refinances
  • Up to $500 Cash Back*
  • Up to 90 Days No Payments*
  • Get a 0.25% discount for each of the following SPCO products: SPCO Checking Account, MasterCard, GAP Insurance, Extended Warranty, Debt Protection Insurance, Payroll Deduction Service, and Auto Draft. Maximum discount is 0.75% APR.*
  • Convenient terms and repayment options.
  • No prepayment penalty.
  • Loan protection coverage is available.
  • Affordable Guaranteed Auto Protection, Extended Warranties, and DentGuard

Member Auto Center

Access our free car-buying site to help locate your next new or used car, as well as, find reputable dealers in your area! Search by make, model, price range, and location.

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*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 to 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. Offer subject to change at any time and ends December 31, 2023.