Personal Loan Rates | Secured & Installment | SPIRE Credit Union

Share SecuredRates Effective: 11/2/2020

	APR*	Monthly Term
Share Secured Loans	3.00% over highest Dividend Share Savings or Certificate Rate	Less than $2,000 up to 48 months or not to exceed the Certificate maturity date. $2,000 and greater up to 120 months or not to exceed the Certificate maturity date.

Other Secured LoansRates Effective: 1/23/2023

	APR*	Monthly Term
Other Secured Loans (Utility Trailers, Classic Cars, Lawn/Farm Equipment)	10.24	Up to 60 months

Personal Installment LoansRates Effective: 1/23/2023

	APR*	Monthly Term	Monthly Payments
Installment Loans (Less than $5,000)	As low as 16.50 (36 month)	Terms available up to 48 months	$35.41
Installment Loans ($5,000 and Greater)	As low as 9.99 (36 months)	Terms available up to 72 months	$32.27
Home Improvement Installment Loan ($10,000 and Greater) *Ask for Details	As low as 12.99	Up to 120 months	$14.93

Line of CreditRates Effective: 11/2/2020

	APR*	Monthly Term
Advantage Line of Credit (Under $5,000)	16.00	N/A
Preferred Line of Credit (Over $5,000)	As low as 12.50	N/A

^*Annual Percentage Rate.
Minimum repayment period of 181 days for personal installment loans.
Rates and terms are subject to qualification. Other restrictions may apply. Interest rates subject to change at any time.

Monthly payments based on $1,000 borrowed.
Personal Loan Payment Example: Assuming a $5,000 personal loan for 36 months at 9.99% APR, the monthly payment will be $161.31.

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