Use the equity in your home to complete home improvements, consolidate debt, and more. Spirit Financial Credit Union home equity loans are perfect for one-time borrowing needs. We offer low rates, fixed payments, and flexible terms. Plus, you’ll pay no closing costs.
Home Equity Loan Features
No closing costs
Low, fixed rates
Flexible terms of up to 20 years
Borrow up to 90% of the value of your home**
Variety of fixed repayment options
Escrow accounts available
Home Equity Loan Rates
Effective Date (11/16/2020) and Rates Subject to Change.
| Balance Tier | 1st Lien APR** | 2nd Lien APR*** |
|---|---|---|
| Up to 36 Months | as low as | as low as |
| Up to 60 Months | as low as | as low as |
| Up to 84 Months | as low as | as low as |
| Up to 120 Months | as low as | as low as |
| Up to 180 Months | as low as | as low as |
| Up to 240 Months | as low as | as low as |
HAVE 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 credit worthiness of the individual and loan being in first lien position. Actual rates may be different than the rates shown. For LTVs over 80%, 1.25% will be added to the rate.
***APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual and loan being in second lien position. Actual rates may be different than the rates shown. For LTVs over 80%, 1.25% will be added to the rate.