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Home Equity Loans

Home Equity; Second Lien Position (Primary Residence)Rates Effective: 1/1/2019

APR* Term Monthly Payment2
Home Equity - 5yr. CLTV up to 80%4.00060$920.83
Home Equity - 5yr. CLTV up to 90%4.75060$937.85
Home Equity - 7yr. CLTV up to 80%4.50084$695.01
Home Equity - 7yr. CLTV up to 85%5.25084$712.58
Home Equity - 10yr. CLTV up to 80%4.750120$524.24
Home Equity - 15yr. CLTV up to 80%5.250180$401.94

Home Equity Line of Credit (Primary Residence)Rates Effective: 1/1/2019

Rate APR* as low as
CLTV up to 75%5.7505.750
CLTV up to 85%5.7505.750

Second Homes/Vacation Homes (Second Lien Position)Rates Effective: 1/1/2019

APR* Term Monthly Payment
Home Equity - 5yr. LTV up to 75%6.99060$989.82
Home Equity - 7yr. LTV up to 75%7.24084$760.51
Home Equity - 10yr. LTV up to 75%7.990120$606.37
Home Equity - 15yr. LTV up to 75%8.740180$499.43

*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.

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