Personal LOC


Money When You Want It

Our personal lines of credit offer you convenience and flexibility to help you meet life’s financial situations. You can have money available to borrow anytime you need it. Enjoy easy access to funds for unexpected expenses, school expenses, major life events, home improvements, large purchases or a family vacation. Borrow what you need, whenever you need it without having to reapply.


Personal LOC Benefits

  • No annual fees

  • No minimum balance fees

  • Low interest rates

  • Limits up to $5,000

  • 24 month draw period

  • Convenient access with online banking

  • Overdraft protection to your checking account

Effective Date (11/1/2018) and Rates Subject to Change.

Loan Term APR*
Up to 36 months as low as 9.49%
Up to 60 months as low as 9.74%
Line of Credit (Max $5,000) as low as 9.49%

Spirit Financial Credit Union provides loan options for all of your borrowing needs.

Apply for a Personal LOC today and enjoy the peace of mind of having the funds available when needed.

Or call a Loan Officer at (267) 580-0230 or stop into our branch.


* 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 payment via automatic funds transfer from a Spirit Financial Credit Union account. Otherwise, APR is 0.25% higher.