Personal Loans

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.

Apply Now Questions?

  • 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