6.99% Intro APR* & No Closing Costs or Fees

Take advantage of this special low 6-month intro rate to complete home improvements, consolidate high-interest debt, pay for emergency expenses, or to accomplish whatever your financial goals are. Tap the following link to learn more and apply online.

HELOC Benefits

  • No closing costs

  • No annual fees

  • No inactivity fees

  • 10 year draw period, 15 year repayment

  • Borrow up to 90% of the current value of your home*****

Home Equity Line of Credit Rates

Effective Date (11/09/2020) and Rates Subject to Change.

Balance Tier APR*
Up to 90% Market Value Financing***** Introductory Rate as low as

HAVE HELOC QUESTIONS OR WANT TO KNOW WHICH TYPE OF HOME EQUITY LOAN PRODUCT IS BEST FOR YOUR NEEDS? Text or CALL A LOAN OFFICER AT (267) 580-0230 OR EMAIL LOANS@SPIRITFINANCIALCU.ORG.

*APR= APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the creditworthiness of the individual. Actual rates may be different than the rates shown. Minimum APR is 8.50%, maximum APR is 18.0%. As of 7/26/23 the Prime Rate was 8.50%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable rate is subject to change monthly.

***** Borrow up to 90% of the current value of your home, less any outstanding liens, based on credit worthiness.