|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 American Spirit Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
American Spirit Federal Credit Union's 48 CD rates are at 4.01%, SPECIAL PROMOTION: CDs for New Funds to American Spirit FCU Only CD (48-Month) rates are at 4.01%, 36 CD rates are at 3.51%, SPECIAL PROMOTION: CDs for New Funds to American Spirit FCU Only CD (36-Month) rates are at 3.51%, 24 CD rates are at 3.26%. American Spirit Federal Credit Union's money market rates are at 0.05%. American Spirit Federal Credit Union's DSHA Mortgage rates are at 5.88%. American Spirit Federal Credit Union's Personal Loan Rates are at 8.65%. MonitorBankRates evaluates the financial stability of American Spirit Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.43%. Rates were last updated on 04/05/2026. American Spirit Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at American Spirit Federal Credit Union? Share your experience about American Spirit Federal Credit Union by leaving a review below, or read customer reviews before you decide to use American Spirit Federal Credit Union. American Spirit Federal Credit Union
1110 Elkton Rd 1110 Elkton Rd
https://www.americanspirit.org Newark, DE 19711 
American Spirit Federal Credit Union CD Rates
American Spirit Federal Credit Union Money Market Rates
American Spirit Federal Credit Union Checking Rates
American Spirit Federal Credit Union Mortgage Rates
American Spirit Federal Credit Union Home Equity & HELOC
American Spirit Federal Credit Union Auto Loan Rates
American Spirit Federal Credit Union Credit Card Rates
American Spirit Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for American Spirit Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather American Spirit Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with American Spirit Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
American Spirit Federal Credit Union
Website
https://www.americanspirit.org
Address
1110 Elkton Rd,
Newark, DE 19711
Phone
302-738-4515
Fax
302-738-4562
President
Melvin Phillips
CEO
Maurice Dawkins
Full-Time Employees
12
Part-Time Employees
3
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.43%
Return on Assets (ROA)
0.5200%
Return on Equity (ROE)
2.7265%
Non-Performing Loans Ratio (NPL)
3.55%
Total Assets
70,515,507
Total Amount of Shares and Deposits
61,897,807
Total Shares and Deposits < 1 Year
51,289,278
Total Shares and Deposits 1 3 Years
5,682,318
Total Shares and Deposits > 3 Years
4,926,211
Total Uninsured Shares and Deposits > $250K (F+J)
1,929,731
Total Insured Shares and Deposits > $250K (item 17 less item K)
59,968,076
Total Interest Expense (Sum of items 6 8)
463,339
Share Certificates
227
Number of Accounts for Share Drafts
4,630
IRA KEOGH Accounts
173
Number of Accounts for Regular Shares
11,558
Non Member Deposits
45
Money Market Shares
190
Net Income (unless the amount is already included in Undivided Earnings)
366,713
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,316,709
Total Liabilities
62,087,844
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About American Spirit Federal Credit UnionIs American Spirit Federal Credit Union a safe place to deposit money?Yes, American Spirit Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.4330161530424%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does American Spirit Federal Credit Union operate?American Spirit Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join American Spirit Federal Credit Union?Yes, to access services at American Spirit Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, American Spirit Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, American Spirit Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does American Spirit Federal Credit Union offer online and mobile banking?Most modern institutions like American Spirit Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.americanspirit.org. Current American Spirit Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Nekoosa Credit Union
Tri County Area Federal Credit Union
Emerald Empire Federal Credit Union
G.C.A. Federal Credit Union
Kahului Federal Credit Union
Florida Central Credit Union
First Us Community Credit Union
Allentown Federal Credit Union
Advanz Federal Credit Union
Fox Federal Credit Union
Greater Central Texas Federal Credit Union
Health Care Idaho Credit Union
Shelby Bolivar County Federal Credit Union
Fairmont School Employees Federal Credit Union
Vigo County Federal Credit Union
Homeland Credit Union
Signal Financial Federal Credit Union
Latvian Credit Union
Genuine Parts Credit Union
Express Credit Union
SEI Federal Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking