--- title: "Spojnia Credit Union Rates - Pennsylvania" description: "Current personal loan, and savings & cd rates from Spojnia Credit Union in Pennsylvania. Updated daily with source verification. See who can join Spojnia Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/pennsylvania/spojnia" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Spojnia Credit Union Rates - Pennsylvania ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Shares Loan** personal_unsecured_24mo | — APR | 2.210% | 24 mo | Standard | | **Youth Credit Builder Loan** personal_unsecured_12mo | — APR | 6.700% | 12 mo | Standard | | **Share Certificates (CDs) (Up to 36 Months)** personal_unsecured_36mo | — APR | 11.570% | 36 mo | Standard | | **Share Certificates (CDs) (Up to 48 Months)** personal_unsecured_48mo | — APR | 12.680% | 48 mo | Standard | | **Share Certificates (CDs) (Up to 60 Months)** personal_unsecured_60mo | — APR | 13.800% | 60 mo | Standard | Spojnia Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 28 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 0.05% | — | Standard | | **Christmas Club** savings | — APY | 0.50% | — | Specialty offer | | **Up to 24-Month Certificate** share_certificate_24mo | — APY | 2.21% | 24 mo | Standard | | **90 Day** savings | — APY | 2.60% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.60% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.60% | 6 mo | Standard | | **Share Certificates (CDs) (90 Day)** share_certificate | — APY | 2.60% | — | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.65% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.65% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.70% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.70% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.75% | 36 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.75% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 2.80% | 48 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 2.80% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.85% | 60 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 2.85% | 60 mo | Standard | | **Up to 60-Month Certificate** share_certificate_60mo | — APY | 3.03% | 60 mo | Standard | | **Up to 36-Month Certificate** share_certificate_36mo | — APY | 4.69% | 36 mo | Standard | | **Up to 72-Month Certificate** share_certificate_72mo | — APY | 5.11% | 72 mo | Standard | | **Up to 48-Month Certificate** share_certificate_48mo | — APY | 6.70% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 6.75% | 60 mo | Standard | | **Up to 120-Month Certificate** share_certificate_120mo | — APY | 6.85% | 120 mo | Standard | | **Up to 84-Month Certificate** share_certificate_84mo | — APY | 6.90% | 84 mo | Standard | | **84-Month Certificate** share_certificate_84mo | — APY | 7.00% | 84 mo | Standard | | **Up to 180-Month Certificate** share_certificate_180mo | — APY | 7.00% | 180 mo | Standard | | **Share Certificates (CDs) (Up to 12 Months)** other | — APY | 6.70% | — | Standard | | **Share Certificates (CDs) (Up to 48 Months)** other | — APY | 7.76% | — | Standard | Spojnia Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **180 Months ($20,000 minimum** other | — % | 7.250% | — | Standard | | **Collateral Loan** other | — % | 7.760% | — | Standard | | **SCU Select - Maximum $2500.00** other | — % | 8.290% | — | Standard | Spojnia Credit Union other rates as of November 12, 2026 Spojnia Credit Union is a credit union in Pennsylvania. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/pennsylvania/spojnia) , verified from [Spojnia Credit Union's official website](https://www.spojniacreditunion.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**CMC-Fcpi Employees** Main office · Scranton · PA · 18510-2362 About 0.9 miles away](https://rateapi.dev/credit-unions/pennsylvania/cmc-fcpi-employees) [**Scranton Downtown** Scranton Downtown FCU · Scranton · PA · 18503-2015 About 1.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/scranton-downtown) [**Net** Mulberry St Office · Scranton · PA · 18503 About 1.8 miles away](https://rateapi.dev/credit-unions/pennsylvania/net) [**Penn East** Scranton Branch · Scranton · PA · 18503 About 2.1 miles away](https://rateapi.dev/credit-unions/pennsylvania/penn-east) [**Citymark** Old Forge Office · Old Forge · PA · 18518 About 4.4 miles away](https://rateapi.dev/credit-unions/pennsylvania/citymark) [**Choice One Community** Old Forg · Old Forge · PA · 18518-2324 About 5.7 miles away](https://rateapi.dev/credit-unions/pennsylvania/choice-one-community) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Spojnia Credit Union's website. Check the membership page below to confirm whether you qualify. - Association Polish National Alliance, Associations and Organizations of the Polish National Alliance, Associations and Organizations of the Polish National Catholic Church - Place of worship Polish National Catholic Church Verified from [Spojnia Credit Union's membership page](https://www.spojniacreditunion.org/about-us/) . Final membership determination is always made by the credit union. ## Membership rules for Spojnia Credit Union Associations 3 · Places of worship 4 published paths to membership, last verified August 21, 2026, quoted from Spojnia Credit Union’s own published criteria. ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Polish National Alliance “Spojnia Credit Union field of membership is limited to the Polish National Alliance policyholders, branches, districts, and affiliates.” > [source ↗](https://www.spojniacreditunion.org/about-us/) - Member of Polish National Alliance - Member of Associations and Organizations of the Polish National Alliance “Associations and Organizations of the Polish National Alliance and the Polish National Catholic Church are also eligible for membership.” > [source ↗](https://www.spojniacreditunion.org/about-us/) - Member of Associations and Organizations of the Polish National Alliance - Member of Associations and Organizations of the Polish National Catholic Church “Associations and Organizations of the Polish National Alliance and the Polish National Catholic Church are also eligible for membership.” > [source ↗](https://www.spojniacreditunion.org/about-us/) - Member of Associations and Organizations of the Polish National Catholic Church ### Places of worship 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Polish National Catholic Church “Parishes and affiliated church groups of the Polish National Catholic Church are also eligible.” > [source ↗](https://www.spojniacreditunion.org/about-us/) - Member of Polish National Catholic Church Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Spojnia Credit Union? Yes No ## Work at Spojnia Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Spojnia Credit Union ranks against Pennsylvania peers. - See which AI assistants fetched Spojnia Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Pennsylvania - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=spojnia&state=pennsylvania&code=PA&name=Spojnia%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Spojnia Credit Union offer? Spojnia Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 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 November 12, 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. ### Who can join Spojnia Credit Union? Spojnia Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 3 associations and 1 places of worship for Spojnia Credit Union, each quoted from Spojnia Credit Union's own published membership criteria. ## Related Rate Data Compare Spojnia Credit Union's rates against national credit-union benchmarks. [More Pennsylvania credit unions](https://rateapi.dev/credit-unions/pennsylvania) [Pennsylvania personal loan leaders](https://rateapi.dev/personal-loan-rates/pennsylvania) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.spojniacreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Spojnia Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Pennsylvania credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Spojnia Credit Union curl "https://api.rateapi.dev/credit-unions/pennsylvania /spojnia " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Spojnia Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/pennsylvania/spojnia Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp