Home Equity Rates as low as 3.49% APR* & No Closing Costs!

Whether you want to Pay off debt, complete home improvements, help with college expenses or book a dream vacation, bring your ideas to life with a home equity loan.


  • 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 (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 creditworthiness of the individual. Actual rates may be different than the rates shown. Borrow up to 85% of the current market value of your home, less any outstanding liens, based on credit worthiness. Rates are for the loan being in first lien position.