Spojnia Credit Union (SCU) is a state-chartered, not-for-profit, full-service financial institution that is member-owned and controlled through a board of directors. The voluntary board, elected by the membership, establishes and revises the credit union’s policies and sets dividend rates so that you can earn more when you save and pay less when you borrow.
Located at 1006 Pittston Avenue in Scranton, Pennsylvania, Spojnia Credit Union was organized on October 18, 1974 with the specific purpose of helping the members, church groups, associations and societies of the Polish National Union of America.
The Polish National Union of America also known as PNU or Spojnia, is a not-for-profit fraternal benefit society which provides life insurance protection, annuities, retirement plans and numerous fraternal benefits to its membership. www.pnu.org
The products and services offered and the methods to conduct business have changed over the years as we incorporate modern-day technology to meet the growing and changing needs of members. However, one thing that has not changed is the basic philosophy envisioned by our founding fathers – that of “People Helping People.”
It is our intent to support our membership by providing courteous service through simple delivery methods that offer attractively priced financial products. We take pride in helping our members to prosper in the ever-changing economic environment in which we live.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154