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SPIRE Loans & Credit Accounts

SPIRE offers many affordable ways to improve your life.



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Find the right mortgage loan for you to make your dream home a reality.

Home Equity

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Maximize the equity in your home to get funds for projects, debt, and more.

Real Estate Center

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Find your dream home with SPIRE. We will be with you at every turn.

+APR =  Annual Percentage Rate. Automatic payment is required. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes and insurance. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $750,000. 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. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 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 $500.00 and does not include the fee for a potential subordination agreement or the cost to change fee ownership. 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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A variety of terms and some of the lowest rates around.


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From mowers to motorhomes, finance your lifestyle with SPIRE.

Auto Refi

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Refinance your current auto loan with SPIRE and save money.

2Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current SPIRE New Vehicle 36 month rate (not including Checking/Visa discounts). Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 12.31.2020.

Personal & Credit


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Borrow money for any purpose with a variety of loan options.

Visa Credit Cards

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Enjoy low rates, chip security, and SPIRE Mobile Wallet.

Student Loans

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SPIRE offers the Smart Option Student Loan® by Sallie Mae®.

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