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Borrow

SPIRE Loans & Credit Accounts

SPIRE offers many affordable ways to improve your life.

Home

Mortgage

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Find the right mortgage loan for you to make your dream home a reality.

Home Equity

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Maximize the equity in your home to get funds for projects, debt, and more.

Real Estate Center

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Find your dream home with SPIRE. We will be with you at every turn.

+APR =  Annual Percentage Rate. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes and insurance. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $750,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00 and does not include the fee for a potential subordination agreement or the cost to change fee ownership. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

Vehicle

Auto

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A variety of terms and some of the lowest rates around.

Recreational

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From mowers to motorhomes, finance your lifestyle with SPIRE.

Auto Refi

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Refinance your current auto loan with SPIRE and save money.

2Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current SPIRE New Vehicle 36 month rate (not including Checking/Visa discounts). Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 3.31.2021.

4Offer valid on auto loans currently financed with a lender other than SPIRE. Minimum amount financed is $5,000. $100 will be deposited to the share savings account upon loan account opening. Loans subject to credit approval. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 3.31.2021.

Personal & Credit

Personal

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Borrow money for any purpose with a variety of loan options.

Visa Credit Cards

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Enjoy low rates, chip security, and SPIRE Mobile Wallet.

Student Loans

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SPIRE offers the Smart Option Student Loan® by Sallie Mae®.

30.00% Introductory Annual Percentage Rate (APR) for 12 months from account opening on purchases available to new Visa Signature accounts opened 1.1.21-12.31.21. After that, your APR will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate plus applicable margin as stated in the Wall Street Journal in effect on 12.31.2020. Your rate is based on your creditworthiness. Please refer to the Credit Card Account Opening Disclosure you received for information regarding your APR. We calculate your balance by using a method called average daily balance (including new purchases).
15,000 reward bonus points awarded when cardholder makes $1,500 in purchases on new Visa Signature credit card within 90 days of account opening and may be redeemed for cash back or other merchandise. Recipient is responsible for applicable taxes incurred on cash back.
Earn 1.5 reward points for every dollar spent on purchases. See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for additional information.

 
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