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Apply For A LoanCarShop365
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Who We Are

Join Now

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Forms & Applications

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Checking & Savings

Checking

Savings

Certificates

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Club Accounts

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Christmas Club

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View Deposit Rates

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Personal Access Line

Share Secured Loans

Student Loans

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Auto Loans

Auto Refinance

Recreational Vehicle Loans

CarShop365

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Spirit Financial Blog

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The Best Budgeting Apps
The Best Budgeting Apps

Five of our favorite budgeting apps to help improve your spending habits.

Read More
Greg QuinnOctober 21, 2021
The Art of the Side Hustle
The Art of the Side Hustle

Use this side hustle guide to determine which is the best way for you to earn extra cash.

Read More
Greg QuinnOctober 4, 2021
Car Buying 101: What You Should Know
Car Buying 101: What You Should Know

Use our Car Buying 101 blog for help getting the best deal on your next vehicle.

Read More
Greg QuinnOctober 4, 2021
5 Reasons to Consolidate Debt with a HELOC
5 Reasons to Consolidate Debt with a HELOC

Consolidating debt with a HELOC can provide many benefits. Read this blog to learn more.

Read More
Greg QuinnAugust 17, 2021
DIY Projects vs. Hiring a Pro
DIY Projects vs. Hiring a Pro

Learn which home remodel projects may be good to tackle on your own and when it's probably best to call a pro.

Read More
Greg QuinnAugust 5, 2021
Closing Costs Explained
Closing Costs Explained

Familiarize yourself with examples and learn what you can do to reduce closing costs.

Read More
Greg QuinnJuly 5, 2021
6 Home Improvements that Offer the Best Return
6 Home Improvements that Offer the Best Return

Here are 6 home improvement projects that offer the best ROI.

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Greg QuinnJuly 5, 2021
3 Steps To Get Top Dollar For Your Car Trade-In
3 Steps To Get Top Dollar For Your Car Trade-In

Getting more for your trade-in can help secure a lower monthly payment.

Read More
Greg QuinnJune 24, 2021
8 Signs It's a Scam
8 Signs It's a Scam

Learn more about the warning signs of a scam so that you can better protect yourself.

Read More
Greg QuinnJune 2, 2021
Can Auto Loan Refinancing Help You Save Money?
Can Auto Loan Refinancing Help You Save Money?

Looking for ways to reduce monthly expenses? Consider auto loan refinancing.

Read More
Greg QuinnApril 27, 2021
How is APR Different from Interest Rate?
How is APR Different from Interest Rate?

Learn everything you need to know about APR and how it differs from interest rate.

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Greg QuinnApril 7, 2021
Cutting Corners with My Budget Isn’t Enough. Now What?
Cutting Corners with My Budget Isn’t Enough. Now What?

Here are five tips for monthly savings that may help breathe new life into your budget.

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Greg QuinnMarch 9, 2021
How Do Home Equity Loans Work?
How Do Home Equity Loans Work?

Learn what a home equity loan is, what the benefits of using this type of loan are, and what to consider when comparing lenders.

Read More
Greg QuinnDecember 29, 2020
Are Home Equity Loan Rates Fixed?
Are Home Equity Loan Rates Fixed?

For the most part, home equity loans feature rates that are fixed. Read on to learn more about home equity loan rates, including a special 1st lien rate at Spirit Financial Credit Union.

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Greg QuinnDecember 28, 2020
Seven Reasons Mortgage Loans are Denied
Seven Reasons Mortgage Loans are Denied

A better understanding of why mortgage loans get denied can keep it from happening to you. Read this blog to learn more about seven common reasons for mortgage loan denial.

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Greg QuinnOctober 8, 2020
Follow These Steps to Refinance a Home Equity Loan
Follow These Steps to Refinance a Home Equity Loan

Did you know that you could refinance a home equity loan just as you would a mortgage or auto loan? Here are seven tips to help you learn more about refinancing a home equity loan.

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Greg QuinnOctober 7, 2020
Rule of Thumb for Mortgage Refinancing
Rule of Thumb for Mortgage Refinancing

There are significant fees associated with mortgage refinancing. Read our blog to learn more about a simple rule to help determine if you can benefit from a mortgage refi.

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Greg QuinnSeptember 24, 2020
When Does Mortgage Refinancing Make Sense?
When Does Mortgage Refinancing Make Sense?

There are many benefits that mortgage refinancing can provide. Read on to learn when refinancing your mortgage makes the most sense.

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Greg QuinnMarch 23, 2020
How Your Credit Union Can Help During Crisis
How Your Credit Union Can Help During Crisis

During these troubling times, Spirit Financial Credit Union remains committed to the welfare and financial wellbeing of our members and our community. Learn more about how we may be able to offer certain solutions and some financial relief.

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Greg QuinnMarch 23, 2020
Tips for Building a Credit History
Tips for Building a Credit History

Learn eight ways to establish a credit history when you are just starting out.

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Greg QuinnFebruary 10, 2020
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*APR = ANNUAL PERCENTAGE RATE. RATE BASED ON CREDITWORTHINESS, LIEN POSITION AND TERM OF LOAN.

**APY = ANNUAL PERCENTAGE YIELD. RATES ARE SUBJECT TO CHANGE AT ANY TIME AND ARE NOT GUARANTEED.

WE PROVIDE LINKS TO THIRD PARTY PARTNERS, INDEPENDENT FROM SPIRIT FINANCIAL CREDIT UNION. THESE LINKS ARE PROVIDED ONLY AS A CONVENIENCE. WE DO NOT MANAGE THE CONTENT OF THOSE SITES. THE PRIVACY AND SECURITY POLICIES OF EXTERNAL WEBSITES WILL DIFFER FROM THOSE OF SPIRIT FINANCIAL CREDIT UNION.

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