The Spirit to Make It Happen
Open Your HELOC at 2.99% Intro APR**** For 6 Months
Home projects don't happen by accident. They happen because you have the capital, the timeline, and the confidence to move forward. A Home Equity Line of Credit from Spirit Financial gives you exactly that. Flexible access to your home's equity, zero closing costs, and zero annual fees.
For your convenience, Spirit Financial Credit Union offers you access to your line of credit by simply writing a check or logging into your online account and transferring the money directly into your Spirit Financial checking account.
HELOC Product Benefits
Flexible Access to Capital: Draw funds as you need them. Your deck contractor calls in July? Pull funds. Your pool equipment arrives in August? Draw again. Pay interest only on what you've drawn and used.
Zero Closing Costs: Most HELOCs charge $1,000+ in upfront closing costs. Ours don't. Every dollar goes toward your project, not bank fees.
Borrow up to 90% of the value of your home:***** For many homeowners, that's the difference between starting now or waiting another year.
No Annual or Inactivity Fees: Open your HELOC and keep it open. If you don't use it for a month or six months, there's no penalty. It's yours when you need it.
Home Equity Line of Credit Rates
Effective Date (11/09/2020) and Rates Subject to Change.
| Balance Tier | APR**** |
|---|---|
| Up to 90% Market Value Financing***** | Introductory Rate as low as |
Frequently Asked Questions
What can I use my HELOC for?
Anything you need. Home renovations, decks, pools, additions, emergency repairs, tuition, debt consolidation, business needs, or simply having accessible capital. There are no restrictions, only flexibility.
How much can I borrow?
Up to 90% of your home's equity.***** Exact amount depends on your home's value, existing mortgage balance, creditworthiness, and lien position. A quick call to (267) 580-0230 gets you an estimate in minutes.
How long is the 2.99%**** intro rate good for?
Six billing cycles (typically six months) from when you open the account. After that, a variable APR applies based on the Prime Rate.
When do I start paying interest?
Only when you draw funds. Open your line in June but don't tap it until August? You pay zero interest until August. It's capital on your terms.
What's the difference between a 10-year draw and 15-year repay?
The draw period is when you can draw funds (10 years). After that, the repay period is when you pay back what you've drawn (15 years). This gives you flexibility.
Are there any hidden fees?
No. No closing costs, no annual fees, no inactivity fees, no early payoff penalties. What you see is what you get. Property insurance is required, but that's for your protection, not ours.
Ready to Make It Happen?
Click the link below to apply online now. Questions? Text or CALL A LOAN OFFICER AT (267) 580-0230 OR EMAIL LOANS@SPIRITFINANCIALCU.ORG.
****APR=Annual Percentage Rate. Rates are for qualified borrowers and are based on the creditworthiness of the individual. Actual rates may be different than the rates shown. Minimum APR is 6.75%, maximum APR is 18.00%. As of 12/10/25 the Prime Rate was 6.75%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable rate is subject to change monthly. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
***** Borrow up to 90% of the current value of your home, less any outstanding liens, based on credit worthiness.