HELOC Rates as Low as 2.74% APR***


Home Is Where Your Equity Is!

A home equity line of credit (HELOC) is a credit line secured by your home that can be used to finance home improvements, fund education, consolidate debt & more. Access funds when you need them and take advantage of low rates on what you’ve borrowed. What will you do with your home equity line of credit?


HELOC Benefits

  • No closing costs

  • No annual fees

  • No inactivity fees

  • 10 year draw period, 15 year repayment

  • Borrow up to 85% of the current value of your home****

  • After promotional period rates as low as 4.50%*****

Have questions or want to know which type of home equity loan product is best for your needs? Speak to a Spirit Financial Credit Union loan officer at (267) 580-0230 or stop by our branch.

HELOC Rates

Effective Date (4/1/2019) and Rates Subject to Change.

Balance Tier APR*
Up to 85% Market Value Financing**** Introductory Rate as low as 2.74%***

***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 4.50% (prime rate minus 1.00%), maximum APR is 18%. As of 12/19/18 the Prime Rate was 5.50%. 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 85% of the current value of your home, less any outstanding liens, based on credit worthiness.

***** After promotional period rates as low as 4.50% (Prime minus 1.00%) and the maximum rate is 18% and is based upon credit worthiness. As of 12/19/18 the Prime Rate was 5.50%. 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.