Real Estate Loans

First Mortgage & Refinancing

  • Up to 80% financing
  • Up to 30-year terms
  • Associated costs such as appraisal, closing and attorney fees

Home Equity

  • Fixed rates
  • Terms up to 15 years
  • Up to 80% loan to value

Have funds available for all your big life events

Whether you're renovating your home or paying for your kid's college education, leveraging your home's equity is a smart way to borrow. The SPCU's Home Equity Line of Credit offers flexible borrowing at low rates. And our personal service is unmatched.

Competitive Rates: 1.99% APR Variable* or as low as 3.90% APR Fixed  

  • Minimum line of $5000/maximum of $100,000
  • Like a credit card, borrow only what you need, when you need it
  • Write checks for any amount from $500 up to your credit limit
  • Interest paid may be tax deductible (please consult your tax advisor)
Type Financed Amount Repayment Period APR
VARIABLE** Up to 80% LTV 10 Yr. Draw/10 Yr. Repay 1.99% APR Yr 1, then Prime - .25
FIXED** Up to 80% LTV 7 Yr. Draw/7 Yr. Repay 4.15% APR

 Apply Now Online Or Call Us Today At 800-310-7728  

* Promotional APR for first year: Prime minus .25% therafter
**Applicants pay closing costs on mortgage. Application fees/closing costs are a fixed amount of $326.

Home Improvement

  • Fixed rates
  • Up to 5-year term