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Community Spirit Credit Union

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Community Spirit Credit Union Rates & Review October 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 and Verified: October 13, 2026

Community Spirit Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.00%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.72%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.37%. These rates come from our rate database, not Community Spirit Credit Union, and you can see how they compare in the Community Spirit Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Community Spirit Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.85%. Database rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.85%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Community Spirit Credit Union
Community Spirit CU

160 Industrial Dr
Lawrenceburg, IN 47025-1116

https://www.communityspiritcu.org

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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.

Current Rate Availability

We're not currently displaying rates for Community Spirit Credit Union, but our database is updated constantly, so check back soon for the latest offers.

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Financial Health History

Community Spirit Credit Union’s Texas Ratio rose from 5.41% in Q3 2023 to 8.85% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$21M	8.85%	5.0	A
March 31, 2026	$23M	12.48%	5.0	A
December 31, 2025	$22M	12.16%	5.0	A
September 30, 2025	$21M	17.45%	4.8	B+
June 30, 2025	$21M	12.47%	5.0	A
March 31, 2025	$20M	14.09%	5.0	A-
December 31, 2024	$21M	6.89%	5.0	A
September 30, 2024	$20M	12.33%	5.0	A
June 30, 2024	$20M	8.03%	5.0	A
March 31, 2024	$20M	8.96%	5.0	A
December 31, 2023	$20M	8.49%	5.0	A
September 30, 2023	$20M	5.41%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 Kevin Rennier

CEO Tiffany Hutcherson

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.85%

Return on Assets (ROA)

0.2060%

Return on Equity (ROE)

1.9816%

Non-Performing Loans Ratio (NPL)

2.03%

Total Assets

21,468,127

Total Amount of Shares and Deposits

19,130,281

Total Shares and Deposits < 1 Year

18,992,008

Total Shares and Deposits 1 3 Years

138,273

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

1,231,053

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

1,231,053

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

17,899,228

Total Interest Expense (Sum of items 6 8)

164,389

Share Certificates

173

Number of Accounts for Share Drafts

890

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,706

All other shares

135

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

44,234

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)

967,024

Total Liabilities

19,235,850

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community Spirit Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/community-spirit-credit-union-rates-review-65493">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Community Spirit Credit Union

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.