Disclaimer: By continuing, you will be leaving the SPIRE Credit Union website and going to a website not operated by SPIRE Credit Union. SPIRE Credit Union is not responsible for the content or availability of other websites. Please be advised that SPIRE Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by SPIRE Credit Union.
VIEW SAVINGS RATES
Open a SPIRE Free Checking Account and get $100 today!1
VIEW CHECKING RATES
Down Payment as low as 1% for our community heroes.3
VIEW LOAN RATES
Get cash back with the new SPIRE Visa® Business Platinum Card
VIEW BUSINESS RATES
Meet with a SPIRE Retirement & Investment Services Representative Today!
VIEW OUR RATES
New User? Set up online access.
You've done a lot for your home. Now let your home do something for you. Maximize the equity in your home or vacation property with a home equity loan from SPIRE. Funds can be used for anything - home improvements, debt consolidation, medical bills, or that trip of a lifetime!
Not sure how much you need or when you’ll need it? A home equity line of credit is revolving and works similar to a credit card. Get the funds when you need them and pay interest only on the balance. Use the funds to remodel your house, build a deck, pay off debt, go on a dream vacation, or anything else your heart desires!
VIEW ALL RATES
*APR = Annual Percentage Rate. Rates disclosed include a .25% discount for automatic payment. Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $250,000 and a Home Equity Line of Credit (HELOC) is for 10-year draw is $100,000. Minimum loan amount is $10,000. 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. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Get approved, find an agent, and close with confidence.
Find out how much your payments will be each month.
Start preparing today! Gather the following required items for your home equity loan application:
NMLS Active Numbers
Interest may be tax deductible. See your tax advisor for complete details. Property must be located in the State of Minnesota or Wisconsin. Property insurance is required.
Apply for a home equity loan online now!
We are here to help.
888.34.SPIRE or 651.215.3500
Share with us where you're at and how we can help.
Apply for a loan in person at your local SPIRE branch.