Home Equity Loans


Rates as low as 3.80%*

Unlock the Equity in Your Home


Home Equity Loan

You can borrow against the equity in your home for debt consolidation, home improvement projects, educational expenses or to make large purchases. Spirit Financial Credit Union home equity loans are perfect for one-time borrowing needs.

We offer low interest rates, fixed payments and flexible terms. The amount available to borrow will be based on the equity you’ve built up in your home. As an added benefit, the interest you pay may be tax-deductible, saving you even more. Consult your tax advisor for details.

Home Equity Loan Features

  • No closing costs

  • Low, fixed rates

  • Flexible terms of up to 20 years

  • Borrow up to 85% 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.

Account Rates

Effective Date (12/3/2018) and Rates Subject to Change.

Balance Tier APR*
Up to 36 Months *as low as 3.80%
Up to 60 Months *as low as 4.00%
Up to 84 Months *as low as 4.30%
Up to 120 Months *as low as 4.50%
Up to 180 Months *as low as 5.00%
Up to 240 Months *as low as 5.30%

*APR= Annual Percentage Rate. Rates are for qualified borrowers and are based on the credit worthiness of the individual. Actual rates may be different than the rates shown. APRs reflect a 0.25% discount for loan payments via automatic funds transfer from a Spirit Financial Credit Union account. Otherwise, APR is 0.25% higher.
** Borrow up to 85% of the current value of your home, less any outstanding liens, based on credit worthiness.