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iAdvertiser Disclosure
Advertiser Disclosure
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 Spirit Financial Credit Union Rates & Review November 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 and Verified: October 29, 2026
Spirit Financial Credit Union's 3 Month CD rates are at 0.50%, 2 Year CD / IRA CD rates are at 4.15%, 1 Year CD / IRA CD rates are at 3.75%, 18 Month CD / IRA CD rates are at 3.75%, 3 Year CD / IRA CD rates are at 3.75%. Spirit Financial Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Spirit Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.34%. Rates last updated and verified on 10/29/2026. Spirit Financial 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 Spirit Financial Credit Union? Share your experience about Spirit Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Spirit Financial Credit Union. Spirit Financial Credit Union
Levittown 8535 New Falls Rd
https://www.spiritfinancialcu.org Levittown, PA 19054-1601  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Spirit Financial Credit Union CD Rates
Spirit Financial Credit Union Savings Rates
Spirit Financial Credit Union Home Equity & HELOC
Spirit Financial Credit Union Other Rates
Financial Health HistorySpirit Financial Credit Union’s Texas Ratio stayed near 1.19% in Q3 2023 to 1.34% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Spirit Financial 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 Spirit Financial 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 Spirit Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Spirit Financial Credit Union
Address
8535 New Falls Rd,
Levittown, PA 19054-1601
Phone
267-580-0230
Fax
267-580-0239
President
Shirley Turner
CEO
David Obarowski
Full-Time Employees
9
Part-Time Employees
2
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.34%
Return on Assets (ROA)
0.0163%
Return on Equity (ROE)
0.1213%
Non-Performing Loans Ratio (NPL)
0.41%
Total Assets
67,733,579
Total Amount of Shares and Deposits
58,345,120
Total Shares and Deposits < 1 Year
52,014,079
Total Shares and Deposits 1 3 Years
5,230,062
Total Shares and Deposits > 3 Years
1,100,978
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,742,241
Total Uninsured Shares and Deposits > $250K (F+J)
3,742,241
Total Insured Shares and Deposits > $250K (item 17 less item K)
54,602,879
Total Interest Expense (Sum of items 6 8)
446,253
Share Certificates
563
Number of Accounts for Share Drafts
2,452
IRA KEOGH Accounts
219
Number of Accounts for Regular Shares
4,437
All other shares
84
Non Member Deposits
2
Money Market Shares
96
Net Income (unless the amount is already included in Undivided Earnings)
11,045
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,002,118
Total Liabilities
58,628,448
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Spirit Financial Credit UnionDoes Spirit Financial Credit Union offer CDs?Yes. Spirit Financial Credit Union current CD rates include its 2 Year CD / IRA CD at 4.15% APY, its 1 Year CD / IRA CD at 3.75% APY and its 18 Month CD / IRA CD at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Spirit Financial Credit Union NCUA insured?Yes. Spirit Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Spirit Financial Credit Union?The highest Spirit Financial Credit Union CD rate is its 2 Year CD / IRA CD at 4.15% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Spirit Financial Credit Union offer?Spirit Financial Credit Union CD rates are 0.50% APY for a 3 month CD, 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 4.15% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Spirit Financial Credit Union for its full lineup. How many branches does Spirit Financial Credit Union operate?Spirit Financial 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 Spirit Financial Credit Union?Yes, to access services at Spirit Financial 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, Spirit Financial 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, Spirit Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Spirit Financial Credit Union offer online and mobile banking?Most modern institutions like Spirit Financial 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.spiritfinancialcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Spirit Financial Credit Union rates compare?Spirit Financial Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has an A+ health rating. Spirit Financial Credit Union's top rate is its 2 Year CD / IRA CD at 4.15% APY, verified by MonitorBankRates on October 29, 2026. Current Spirit Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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