Home Equity Rates as low as 3.80%*

unlock the equity in your home for debt consolidation, home improvement, educational expenses and more.



  • 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 (5/15/2018) 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. There is a $499 application fee for fixed home equity loans.