$500 Cash Back on Auto Loans1

Finance a new or used vehicle or refinance an auto from another lender and get a loan that gives back to you!

  • Get up to $500 cash back1
  • Great, low rates starting at 3.50% APR1
  • Flexible terms up to 72 months
  • No payments for up to 90 days1

Learn More about SPCO Auto Loans

$100 Cash Back When You Open a Better Than Free Checking2

It’s time your checking account did something nice for you!

  • Only $25 to open
  • Free mobile app, online, and bill pay
  • Free Visa Debit Card
  • No monthly service charges

Learn More about Better Than Free Checking

Switch to SPCO!
1APR=Annual Percentage Rate. Rates are based on creditworthiness and are subject to change without notice. Loan rates and terms are accurate as of 01/15/2022. The as low as 3.50% APR excludes applicable discounts for various SPCO products and services. A fixed-rate loan for $30,000 based on a 3.50% APR paid over 48 months would have 48 monthly payments of $670.68. Current SPCO auto loans are not eligible for this refinance offer.  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. The cash back bonus will be deposited into the member's SPCO savings account at loan closing. Your account must be in good standing to qualify. Maximum no payments for 90 days available to qualifying members.  2To qualify for the $100 deposit, you must be an SPCO member in good standing and open a Better Than Free Checking account with free eStatements and Direct Deposit required. Existing Checking Accounts are not eligible to receive the $100 incentive. Cash back is subject to all applicable taxes and is your responsibility. These offers expire on April 29, 2022.  

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