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 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.

Home Equity Loan 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.
**** Borrow up to 85% of the current value of your home, less any outstanding liens, based on credit worthiness.