SPIRE Loans & Credit Accounts

SPIRE offers many affordable ways to improve your life. 


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Make your dream home a reality with
SPIRE Mortgage Loans.

Get funds for projects, debt, and more with
SPIRE Home Equity Loans.

Get a lower rate on your current mortgage or get cash out with
SPIRE Mortgage Refinance.


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Get some of the lowest rates around with
SPIRE Vehicle Loans

Finance your lifestyle with

Save money on your current auto loan with
SPIRE Vehicle Refinance Guarantee

Personal & Credit

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Borrow money for any purpose with
SPIRE Personal Loans.

Enjoy low rates, chip security, and SPIRE Mobile Wallet with
SPIRE Visa Credit Cards.

SPIRE can help finance your education with
Student Loans.

*HomeAdvantage is available to you through your membership with SPIRE Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using SPIRE Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. SPIRE Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union to get details that may affect you.
Examples of Cash Rewards amounts shown are based on 3% commission rates. Your agent's commission rate may differ.
No purchase necessary. Open to legal Minnesota residents 18 years of age or older. Ends 3/15/22. Void where prohibited. Official rules at

+APR =  Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $175,000 and $647,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $822,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000 and does not include the fee for a potential subordination agreement. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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