Personal Loans

Kick-off the holiday season with a personal loan from SPE. Plan a winter getaway, help with gift-giving expenses, or consolidate debt.

Limited time offer with rates as low as 6.99% APR* Borrow up to $25,000 for up to 60 months.

*APR is Annual Percentage Rate. The APR may vary based on creditworthiness, amount financed, and loan term. Offer excludes refinancing existing SPE loans, mortgages, home equity loans, and Mastercard® credit cards. A 60-month loan of $10,000 at a rate of 6.99% APR will have 60 monthly payments of $19.75 per $1000.00 borrowed. Programs, rates, terms, and conditions are subject to change without notice. Other restrictions may apply. Offer valid November 1, 2020 – January 15, 2021. We reserve the right to end this promotion at any time. Savings account with a $5 opening deposit required. Equal opportunity lender. Federally insured by NCUA.

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Competitively low rates and closing costs for a number of needs
Flexible terms, customized to your situation
A wide range of terms and lending options
Fixed interest rates on unsecured loans
Borrow up to $25,000
Terms up to 5 years
Local decision-making and processing
Helpful, personalized service throughout the entire process

Have a solution to needs before they even arise with an SPE Line of Credit. Draw from your line at any time, reusable without reapplying. Best of all, you only pay interest on the part that you use.

Competitively low rates and closing costs for a number of needs
Instant access to funds, whenever you need them
Reuse without reapplying
Only pay interest on the part used
Flexible terms, customized to your situation
A wide range of terms and lending options
Revolving line of credit
Borrow up to $20,000
Local decision-making and processing
Helpful, personalized service throughout the entire process

Get financing for your future based on your savings history in the past. By securing your loan with an SPE savings account, you can receive our lowest rates for a wide range of personal needs.

Our lowest rates and low closing costs for a number of needs
Deposited funds within SPE act as your collateral
Funds continue to earn interest
No need to draw from savings
Can be used to build or restore good credit
Flexible terms, customized to your situation
Local decision-making and processing
Helpful, personalized service throughout the entire process

Take advantage of competitive rates on our specialized bike loans.

Competitively low rates and closing costs for bicycle purchases
Flexible terms, customized to your situation
Fixed interest rates
Minimum loan amount $250
Maximum loan amount $4,000
Local decision-making and processing
Helpful, personalized service throughout the entire process