Online Banking

Spring Break Mortgage

Value and protection, all in one

Want to plant your roots, but worried about unexpected events? The Spring Break Mortgage was built with you in mind. Get a mortgage bundled with a savings component to help you make your payments, no matter what life has in store.


our best 5-yr rate

How does it work?

  • Part of your monthly payments automatically goes to a savings account that you can draw from in the event of an income interruption
  • The savings portion of your Spring Break Mortgage receives a preferred rate higher than our posted savings rate*
  • If you do not use your Spring Break savings balance within a predetermined period of time, you can apply this to your mortgage to pay it down more quickly

Why get a Spring Break Mortgage?

  • Get competitive rates on both the mortgage and savings component of your Spring Break Mortgage
  • Choose from a range of flexible payment schedules to meet your lifestyle and budget
  • Pay up to 20% of your original mortgage amount per year, and increase your payments by up to 20% per year without penalty
  • Optional credit insurance to protect you from life's unexpected events

Don't let the stress of mortgage payments hold you back from enjoying your dream home.

Ready to apply?

*Please note that a loan application page will open when you click "Apply Now". If this page does not open, check your browser settings to make sure you have pop-ups enabled.

Why Bank With SPARK?

  • Flexible payment schedules
  • No-commitment pre-approvals
  • 90-day rate guarantee
  • 20/20 pre-payment privileges
  • Skip-a-payment twice a year
  • Optional credit insurance
  • And more!
Why Borrow With SPARK?
*All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown are indicative of market conditions and individual qualifications and will vary upon your lock-in period, loan type, credit score, purpose and loan to value