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.

Low Competitive Rates
1.99% APR Variable*  3.90% APR Fixed  

*Promotional APR for first year; Prime minus .25% thereafter      

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                               3.90% APR

$100,000. Maximum Loan, $5,000 Minimum Loan 

* Applicants pay closing costs on mortgage. Application fees/closing costs are a fixed amount of $326.00

Apply Now. Call us today at 800-310-7728


Home Improvement

  • Fixed rates
  • Up to 5-year term