Limited Time 6.99% Intro APR**** For 6 Months
A home equity line of credit (HELOC) is a revolving credit line secured by the equity in your home. Take advantage of our low rates to fund home improvements, consolidate debt, pay for education and more.
For your convenience, Spirit Financial Credit Union offers you access to your line of credit by simply writing a check or logging into your online account and transferring the money directly into your Spirit Financial checking account.
Home Equity Line of Credit Features
No closing costs
No annual fees
No inactivity fees
10 year draw period, 15 year repayment
Borrow up to 90% of the 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= 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 7.75%, maximum APR is 18.0%. As of 11/8/24 the Prime Rate was 7.75%. 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.