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SpencerFlex Line of Credit

A SpencerFlex Line of Credit is ideal for people who borrow and repay large amounts of money over short periods of time, or for those who wish to have a cash resource available for unexpected expenses. This home equity loan type may be the ideal solution for home improvements, paying down higher rate balances, financing a major purchase or funding educational expenses. With our unique “Flex” conversion feature, you have the option of locking in a fixed rate on all or part of your current balance with a ($25,000 minimum), without having to reapply.

SpencerFlex Line of Credit features:

  • Variable Interest Rate
  • Convenient Credit Line Checkbook
  • Potential Tax Benefits (consult your tax advisor)
  • Replenishing Credit as Payments Are Made
  • Interest Charged on Outstanding Balance

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Apply online, visit your local branch, or call us at 1-800-363-8115 today!