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

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

Home Equity Loan Rates

Effective Date (09/01/2019) and Rates Subject to Change.

Balance Tier APR*
Up to 36 Months as low as 3.24%***
Up to 60 Months as low as 3.49%***
Up to 84 Months as low as 3.74%***
Up to 120 Months as low as 3.74%***
Up to 180 Months as low as 4.49%***
Up to 240 Months as low as 5.24%***

***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.
**** Borrow up to 90% of the current value of your home, less any outstanding liens, based on credit worthiness. For LTVs over 80%, 1.25% will be added to the rate.