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Community Spirit Credit Union

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Community Spirit Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Spirit Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Community Spirit Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.63%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 0.40%. Savings rates are at 0.30% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.23%. All these rates can be compared to Community Spirit Credit Union rates. MonitorBankRates evaluates the financial stability of Community Spirit Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.26%. Rates were last updated on 04/23/2026.

Community Spirit 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 Community Spirit Credit Union? Share your experience about Community Spirit Credit Union by leaving a review below, or read customer reviews before you decide to use Community Spirit Credit Union.

Overall Health & Safety Grade

B+

Good Health Score: 88/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.26%

Good Higher than avg

Community Spirit Credit Union
Community Spirit CU

160 Industrial Dr
Lawrenceburg, IN 47025 1116

https://www.communityspiritcu.org

Current Rate Availability

We do not have Community Spirit Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community Spirit 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 Community Spirit 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 Community Spirit Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Spirit Credit Union

Website https://www.communityspiritcu.org

Address 160 Industrial Dr, Lawrenceburg, IN 47025 1116

Phone 812-537-0928

Fax 812-537-0186

President Christine Arnett

CEO Tamara Brett

Full-Time Employees 6

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.7 / 5.0 ★

Overall Health & Safety Grade

B+ (88/100)

Texas Ratio

18.26%

Return on Assets (ROA)

0.2046%

Return on Equity (ROE)

1.9823%

Non-Performing Loans Ratio (NPL)

3.66%

Total Assets

21,205,932

Total Amount of Shares and Deposits

18,913,392

Total Shares and Deposits < 1 Year

18,775,118

Total Shares and Deposits 1 3 Years

138,273

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

67,549

Total Uninsured Shares and Deposits > $250K (F+J)

67,549

Total Insured Shares and Deposits > $250K (item 17 less item K)

18,845,843

Total Interest Expense (Sum of items 6 8)

229,934

Share Certificates

145

Number of Accounts for Share Drafts

900

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,728

All other shares

129

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

13,946

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,137,586

Total Liabilities

19,033,239

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Community Spirit Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Community Spirit Credit Union

Is Community Spirit Credit Union a safe place to deposit money?

Yes, Community Spirit Credit Union is considered a safe financial institution. With a Texas Ratio of 18.261005042207%, 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 Community Spirit Credit Union operate?

Community Spirit 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 Community Spirit Credit Union?

Yes, to access services at Community Spirit 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, Community Spirit 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, Community Spirit Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Community Spirit Credit Union offer online and mobile banking?

Most modern institutions like Community Spirit 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.communityspiritcu.org.