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Home Equity Loans

Rates as low as 4.25% APR*

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  • No application fees
  • No closing costs**

Estimated Monthly Payment

This calculation is an estimate
Loan Amount

How it Works


Take out a loan

We’ll let you borrow up to 110% of your home’s value.


Get your cash

You’ll get your money in one lump sum.


Make payments

Easily make payments online or within the mobile app.

Spring Home Equity Loan Special Disclosures

*Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 4.25% or greater than 8.75%. Rate applies to loans up to 60 months. The interest rate you receive will be based on your credit history. Hazard Insurance is required. For loans over $150,000, Title Insurance is required. Loan subject to final approval. Terms and rates subject to change without notice and apply to loans in the 2nd lien position. Rates effective as of 05/01/2023. A sample Fixed-Rate Equity Loan monthly payment based on $25,000 at 4.25% APR for 5 years is $464.09. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Federally Insured by NCUA. Equal Housing Opportunity.

**No closing costs on loans under $150,000.