Spojnia Credit Union

Scranton, Pennsylvania
Last verified: August 3, 2026
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Verified rate book

Current Spojnia Credit Union rates

45 published offers verified as of August 3, 2026.

How we verify rates

Auto & vehicle rates

17 offers
Spojnia Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
36-Month Used Auto Loan (2017 and Newer)auto_used_36mo4.690% APR4.690%36 mo · usedStandard
36-Month New Auto Loanauto_new_36mo4.690% APR4.690%36 mo · newStandard
48-Month Used Auto Loan (2017 and Newer)auto_used_48mo4.890% APR4.890%48 mo · usedStandard
48-Month New Auto Loanauto_new_48mo4.900% APR4.900%48 mo · newStandard
60-Month New Auto Loanauto_new_60mo5.000% APR5.000%60 mo · newStandard
72-Month New Auto Loanauto_new_72mo5.110% APR5.110%72 mo · newStandard
60-Month Used Auto Loan (2017 and Newer)auto_used_60mo5.190% APR5.190%60 mo · usedStandard
72-Month Used Auto Loan (2017 and Newer)auto_used_72mo5.390% APR5.390%72 mo · usedStandard
36-Month New RV Loanrv_new_36mo6.170% APR6.170%36 mo · newStandard
36-Month Used RV Loanrv_used_36mo6.170% APR6.170%36 mo · usedStandard
48-Month New RV Loanrv_new_48mo6.700% APR6.700%48 mo · newStandard
48-Month Used RV Loanrv_used_48mo6.700% APR6.700%48 mo · usedStandard
60-Month Used RV Loanrv_used_60mo7.230% APR7.230%60 mo · usedStandard
60-Month New RV Loanrv_new_60mo7.230% APR7.230%60 mo · newStandard
Collateral Loanauto_any_48mo7.760% APR7.760%48 moStandard
72-Month New RV Loanrv_new_72mo7.760% APR7.760%72 mo · newStandard
120-Month New RV Loanrv_new_120mo8.300% APR8.300%120 mo · newStandard

HELOC rates

6 offers
Spojnia Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Home Equity Loan (Fixed)heloc_fixed5.500% APR5.500%—Standard
Non-Owner-Occupied Home Equity Loanheloc_fixed5.750% APR5.750%—Standard
7-Year Home Equity Loan (Fixed)heloc_fixed5.900% APR5.900%—Standard
10-Year Home Equity Loan (Fixed)heloc_fixed6.000% APR6.000%—Standard
Non-Owner-Occupied Home Equity Loanheloc_fixed6.000% APR6.000%—Standard
Non-Owner-Occupied Home Equity Loanheloc_fixed6.250% APR6.250%—Standard

Personal loan rates

11 offers
Spojnia Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Shares Loanpersonal_unsecured_24mo2.210% APR2.210%24 moStandard
Shares Loanpersonal_unsecured_36mo2.520% APR2.520%36 moStandard
Shares Loanpersonal_unsecured_48mo2.720% APR2.720%48 moStandard
Shares Loanpersonal_unsecured_60mo3.030% APR3.030%60 moStandard
Organization Signature Loanpersonal_unsecured_60mo6.240% APR6.240%60 moStandard
Youth Credit Builder Loanpersonal_unsecured_12mo6.700% APR6.700%12 moStandard
Organization Signature Loanpersonal_unsecured_120mo6.850% APR6.850%120 moStandard
Organization Signature Loanpersonal_unsecured_180mo7.600% APR7.600%180 moStandard
36-Month Signature Loanpersonal_unsecured_36mo11.570% APR11.570%36 moStandard
48-Month Signature Loanpersonal_unsecured_48mo12.680% APR12.680%48 moStandard
60-Month Signature Loanpersonal_unsecured_60mo13.800% APR13.800%60 moStandard

Savings & CD rates

10 offers
Spojnia Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Savingssavings0.05% APY0.05%—Standard
Christmas Clubsavings0.50% APY0.50%—Standard
3-Month Certificateshare_certificate_3mo2.60% APY2.60%3 moStandard
Share Certificates (CDs) - 90 Dayshare_certificate2.60% APY2.60%—Standard
6-Month Certificateshare_certificate_6mo2.60% APY2.60%6 moStandard
12-Month Certificateshare_certificate_12mo2.65% APY2.65%12 moStandard
24-Month Certificateshare_certificate_24mo2.70% APY2.70%24 moStandard
36-Month Certificateshare_certificate_36mo2.75% APY2.75%36 moStandard
48-Month Certificateshare_certificate_48mo2.80% APY2.80%48 moStandard
60-Month Certificateshare_certificate_60mo2.85% APY2.85%60 moStandard

Other rates

1 offer
Spojnia Credit Union other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
SCU Selectother8.290% %8.290%—Standard

Vehicle loans available from 4.69% APR for 36 months. HELOC rates from 5.5% APR. Personal loan rates from 2.21% APR. Savings and certificate yields up to 2.85% APY.

Source: RateAPI.dev, verified from Spojnia Credit Union's official website

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About Spojnia Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
754
Assets
$14.9M
Founded
1974
Locations reported
3
NCUA charter
62998
Charter type
Federally insured state-chartered credit union

Services and member support

  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial education
  • Bilingual services
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Penn EastDavis Street Branch · Scranton · PA · 18505Branch in the same ZIPCMC-Fcpi EmployeesMain office · Scranton · PA · 18510-2362About 1.4 miles awayNetMulberry St Office · Scranton · PA · 18503About 1.8 miles awayScranton DowntownScranton Downtown FCU · Scranton · PA · 18503-2015About 1.8 miles awayChoice One CommunityOld Forg · Old Forge · PA · 18518-2324About 4.8 miles awayCitymarkOld Forge Office · Old Forge · PA · 18518About 4.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Spojnia Credit Union

Membership eligibility from Spojnia Credit Union's own published criteria. How we verify this.

Membership via the PNA +1 more

  • AssociationPNA, PNCC

Verified from Spojnia Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Spojnia Credit Union?

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Frequently Asked Questions

What rates does Spojnia Credit Union offer?

Spojnia Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Spojnia Credit Union rates updated?

RateAPI verifies Spojnia Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Spojnia Credit Union's rate data?

Rate data is collected directly from Spojnia Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Spojnia Credit Union's auto & rv loan rates?

As of August 3, 2026, Spojnia Credit Union offers vehicle loans from 4.69% APR.

What is Spojnia Credit Union's HELOC rate?

As of August 3, 2026, Spojnia Credit Union offers home equity lines of credit from 5.5% APR.

What is Spojnia Credit Union's personal loan rate?

As of August 3, 2026, Spojnia Credit Union offers personal loans from 2.21% APR.

What is Spojnia Credit Union's best CD rate?

As of August 3, 2026, Spojnia Credit Union offers savings and certificate (CD) yields up to 2.85% APY.

Related Rate Data

Compare Spojnia Credit Union's rates against national credit-union benchmarks.

More Pennsylvania credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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# Get rates for Spojnia Credit Union
curl "https://api.rateapi.dev/credit-unions/pennsylvania/spojnia" \
  -H "Authorization: Bearer YOUR_API_KEY"
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