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Routing Number 291075116

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, even that trip of a lifetime.

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Special offer! 3.375% APR for a 15-year term
Maximum of $500 in closing costs

Rates

 

APR*
as low as

Term

Monthly Payment2

Home Equity - 5yr. LTV up to 80%

3.125

60

$541.06

Home Equity - 5yr. LTV up to 90%

4.125

60

$554.19

Home Equity - 7yr. LTV up to 80%

3.375

84

$401.49

Home Equity - 7yr. LTV up to 85%

4.675

84

$419.45

Home Equity - 10yr. LTV up to 80%

3.375

120

$294.90

Home Equity - 15yr. LTV up to 80%

3.375

180

$212.63

View our rates


*Annual Percentage Rate

 


Home Equity Fixed Rate Loan

Get the funds in a one-time lump sum with a fixed term and consistent payment over the life of the loan.

  • Borrow up to 90% of the value of your primary home
  • Borrow up to 75% of the value of your vacation property
  • 5-15 year terms available
  • Low fixed rates won’t change over the term of the loan
  • Minimum loan amount is $10,000
  • First mortgage must be closed-end, fixed rate

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Home Equity Line of Credit

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.

  • Borrow up to 75% of the value of your primary home
  • Interest-only payments available during draw period
  • Variable rate loan
  • Minimum loan amount is $10,000

Apply Now

 

Please have the following available when applying for your loan:

  • Your first mortgage loan information including where loan is financed, monthly payment amount and balance, if applicable.
  • The annual amount of your property tax and homeowner’s insurance costs if not included in your first mortgage payment amount.
  • Second mortgage or home equity loan information including where the loan is financed, monthly payment amount and balance.
  • Annual or hourly income information for all applicants on the loan along with the employer’s name, date of hire and current position.
  • Driver’s license and social security numbers for all applicants on the loan.
  • If your loan is for debt consolidation, please have the creditor's name(s) and the balance owed for those pay-offs.

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.

NMLS #469510

DRIVEN BY
MIDWESTERN VALUES

Founded in 1934, SPIRE upholds midwestern values like honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.


Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

email SPIRE

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Call: 651.215.3500 Routing Number: 291075116