Community Spirit Credit Union
Headquarters
160 Industrial Drive
Lawrenceburg, IN 47025
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2024 Overview
General Credit Union Information
Community Spirit Credit Union is an NCUA insured institution located in Lawrenceburg, IN. It was founded in 1937 and has approximately $19.67 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 65493 |
| Date Established | 1937 |
| Assets | $19.67 million |
| Loans | $12.30 million |
| Deposits | $17.37 million |
| Capital | $2.19 million |
Deposit Rates - November 15, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
Loan Rates - November 15, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Community Spirit Credit Union
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.584% | 6.500% | 0.50 | $2,810 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.866% | 6.750% | 1.00 | $3,801 | $2,076 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Community Spirit Credit Union
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Branches
Below are Community Spirit Credit Union branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Community Spirit Credit Union Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 115.54 | A | View Lobby Hours |
Climate Policy and Initiatives
COMMUNITY SPIRIT CREDIT UNION is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Community Spirit Credit Union Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Community Spirit Credit Union. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Community Spirit Credit Union | U.S. Average |
|---|---|
| 15.13% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Community Spirit Credit Union had $340,363 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,191,287 in net worth and $58,391 in loans loss reserves. That gives it a Texas Ratio of 15.13%.
Net Worth
| Community Spirit Credit Union | U.S. Average |
|---|---|
| 11.12% | 13.93% |
Community Spirit Credit Union FCU has a net worth of 11.12% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Community Spirit Credit Union
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