Spe Federal Credit Union

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A short history of Spe FCU

Since its inception in 1978 the Spe Federal Credit Union has been serving its members in the STATE COLLEGE, Pennsylvania area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Michael Meier, the Spe FCU has grown its membership to over 10,027 with assets of more than $88,462,757. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (814) 237-5458 or email them at spe@spefcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in STATE COLLEGE, PA.

General Information For Spe FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24187
Address 650 SCIENCE PARK RD 
State Pennsylvania 
Zip-Code 16803
Phone Number (814) 237-5458
Fax Number (814) 231-6607
Email Address: spe@spefcu.org
CEO/President Michael Meier
Members 10,027 
Full-Time Employees 25 
Part-Time Employees
Number of Branch Offices
Total Assets 88,462,757 
Website http://www.spefcu.org 

Compare Spe Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
State College CU Main Branch 724 S Atherton St Ste B 16801 (814) 234-0252 No 2.74
Penn State CU Penn State Federal Credit Union 123 Amberleigh Ln 16823 (814) 355-2711 No 8.56
Titan CU Main Office 114 Mack Ave 16823 (814) 359-4540 No 8.95
Standard Steel Emp CU standard steel emp federal credit union 101 1st ave 17009 (717) 248-7701 No 21.28
First Area CU First Area Federal Credit Union 23 S Dorcas St 17044 (717) 248-5103 No 22.56

Spe Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Spe Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.95 3.99 3.99 4.13 4.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 455 279 202 160 200
Rank Among All Pennsylvania Credit Unions 73 103 65 48 75

Spe Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.02 N/A 0.25 0.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 151 N/A 310 266
Rank Among All Pennsylvania Credit Unions N/A 48 N/A 86 57
Spe Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.9508761,588,582
All Other Unsecured Loans/Lines of Credit 12.9509655,290,719
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.9902314,670,813
Used Vehicle Loans 3.9906587,886,309
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.13014820,203,187
Total Other Real Estate Loans/Lines of Credit 4.75044511,415,135
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.5402111,323,416
TOTAL LOANS & LEASES 3,53452,378,161

Spe Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 7508,8994487,750
    b. 15 Years or less 252,448,192196,480
    a. > 15 years 316,403,5211542,236
    b. 15 Years or less 416,878,3292459,000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 6196,716231,100
Adjustable Rate > 1 yr 383,767,530183,250


Closed-End Fixed Rate 1003,024,64010569,365
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3458,390,495202,394,486
Open-End Fixed Rate 0000
TOTALS 59331,618,322414,663,667


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Spe Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes