Spirit Financial Credit Union
Headquarters
8535 New Falls Rd
Levittown, PA 19054
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2024 Overview
General Credit Union Information
Spirit Financial is an NCUA insured institution located in Levittown, PA. It was founded in 1953 and has approximately $73.68 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60369 |
| Date Established | 1953 |
| Assets | $73.68 million |
| Loans | $36.08 million |
| Deposits | $64.43 million |
| Capital | $8.93 million |
Field of Membership Restrictions
Membership in Fairless Credit Union is open to those who live, work, attend school or worship in Bucks County in Pennsylvania.
Deposit Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $5 | - |
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|
|
Money Market
|
0.45% | $5,000 | $9,999 |
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|
|
Money Market
|
0.50% | $10,000 | $49,999 |
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|
|
Money Market
|
0.50% | $50,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month Share
|
0.50% | $500 | - |
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|
| 6 Mo CD
|
4.00% | $500 | - |
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|
| 9 Month Share
|
4.00% | $500 | - |
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|
| 12 Mo CD
|
4.00% | $500 | - |
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|
| 18 Mo CD
|
4.00% | $500 | - |
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|
| 24 Mo CD
|
4.00% | $500 | - |
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|
| 36 Mo CD
|
3.85% | $500 | - |
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|
| 48 Mo CD
|
3.75% | $500 | - |
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|
| 60 Mo CD
|
3.65% | $500 | - |
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|
Loan Rates - November 18, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Spirit Financial
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 |
6.596% | 6.500% | 0.63 | $3,210 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.868% | 6.750% | 1.00 | $3,884 | $2,076 | Learn More |
NMLS ID: 3030 |
7.225% | 7.125% | 1.00 | $3,200 | $2,156 | Learn More |
NMLS ID: 491986 |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
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More Info |
Note to Spirit Financial
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Branches
Below are Spirit Financial 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
Spirit Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 393.22 | A | View Lobby Hours | |
| 405.57 | B | View Lobby Hours | |
| 432.19 | C | View Lobby Hours | |
| 436.85 | D | View Lobby Hours |
Climate Policy and Initiatives
SPIRIT FINANCIAL 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
Spirit Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Spirit Financial. 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
| Spirit Financial | U.S. Average |
|---|---|
| 2.88% | 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, Spirit Financial had $136,231 in non-current loans and $122,482 in owned assets. To cover these potential losses it had $8,931,829 in net worth and $43,088 in loans loss reserves. That gives it a Texas Ratio of 2.88%.
Net Worth
| Spirit Financial | U.S. Average |
|---|---|
| 12.09% | 13.93% |
Spirit Financial FCU has a net worth of 12.09% 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 Spirit Financial
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