Spirit Financial Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Spirit Financial Credit Union12-month CD rates can be found at 2.25%, 6-month CD rates at 2.27% and 3-month CD rates at 0.80%. Savings rates are at 0.11% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 7.32%. Credit Card rates are at 16.74%. Personal Loan rates are at 18.00%. All these rates, and more, can be found in our database of rates which you can compare to Spirit Financial Credit Union rates.

Compare Spirit Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Spirit Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Spirit Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Spirit Financial Credit Union
Levittown
8535 New Falls Rd
Levittown, PA 19054 1601
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Spirit Financial Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
iGOBanking
iGOBanking
12-Month CD
4.00%
$1,000
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
24-Month CD
3.98%
$100
Touchmark Bank
Touchmark Bank
6-Month CD
3.90%
$1,000
University Federal Credit Union
University Federal Credit Union
36-Month CD
3.75%
$1,000
Touchmark Bank
Touchmark Bank
Business Platinum Money Market
3.75%
$250,000
FSB of Westmoreland
FSB of Westmoreland
48-Month CD
3.73%
$1,000
Charter Bank IA
Charter Bank IA
36-Month CD
3.65%
$1,000
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
12-Month CD
3.55%
$500
United States Senate Federal Credit Union
United States Senate Federal Credit Union
12-Month CD
3.51%
$1,000
Bankwell Bank
Bankwell Bank
18-Month CD
3.50%
$1,000
Meridian Bank
Meridian Bank
Hometown Money Market
3.50%
$25,000
Beal Bank USA
Beal Bank USA
24-Month CD
3.45%
$1,000
360 Federal Credit Union
360 Federal Credit Union
24-Month CD
3.30%
$1,000
Friendship State Bank
48-Month CD
3.15%
$500
Circuit Federal Credit Union
Circuit Federal Credit Union
48-Month CD
3.04%
$1,000
Citi
Citi
12-Month CD
3.00%
$500
St. Ansgar State Bank
St. Ansgar State Bank
12-Month CD
3.00%
$1,000
Volunteer State Bank
Volunteer State Bank
24-Month CD
3.00%
$1,000
Cape Cod Co-operative Bank
Cape Cod Co-operative Bank
18-Month CD
2.75%
$500
FNB of Wyoming
FNB of Wyoming
3-Month CD
2.02%
$100
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
48-Month CD
2.02%
$100
Hilltop National Bank
Hilltop National Bank
60-Month CD
2.02%
$1,000
Clinton Bank
Clinton Bank
18-Month CD
1.56%
$500
One Community Bank
One Community Bank
36-Month CD
1.50%
$500
Grand Timber Bank
Grand Timber Bank
3-Month CD
1.36%
$2,500
Badger Bank
Badger Bank
24-Month CD
1.36%
$1,000
United Orient Bank
United Orient Bank
24-Month CD
1.35%
$500
Prevail Bank
Prevail Bank
24-Month CD
1.15%
$1,000
Savers Co-operative Bank
Savers Co-operative Bank
12-Month CD
1.02%
$500
Hingham Institution for Savings
Hingham Institution for Savings
12-Month CD
1.01%
$1,000
West Plains S&L
West Plains S&L
36-Month CD
0.80%
$1,000
Connection Bank
Connection Bank
36-Month CD
0.75%
$1,000
CIBM Bank
CIBM Bank
36-Month CD
0.70%
$500
The Honesdale National Bank
The Honesdale National Bank
24-Month CD
0.60%
$1,000
First National Bank in Pinckneyville
First National Bank in Pinckneyville
36-Month CD
0.50%
$500
Institution for Savings
Institution for Savings
18-Month CD
0.50%
$500
Midland Federal S&L
Midland Federal S&L
12-Month CD
0.50%
$1,000
The Huntington National Bank
The Huntington National Bank
60-Month CD
0.50%
$1,000
Hometown Bank Oxford, MA
Hometown Bank Oxford, MA
48-Month CD
0.45%
$1,000
First Federal Community Bank N.A.
First Federal Community Bank N.A.
18-Month CD
0.40%
$500
MVSB
36-Month CD
0.30%
$500
Oxford Bank
Oxford Bank
48-Month CD
0.27%
$500
Citizens Bank & Trust Co. MN
Citizens Bank & Trust Co. MN
Money Market Checking
0.20%
$100
Grand Timber Bank
Grand Timber Bank
Statement Savings
0.15%
$50
BayVanguard Bank
BayVanguard Bank
Business Interest Checking
0.05%
$5,000
First National Bank Alamogordo, NM
First National Bank Alamogordo, NM
NOW Checking
0.05%
$2,500
Marathon Bank
Marathon Bank
Savings
0.05%
$100
Miami Savings Bank
Miami Savings Bank
Triple Rate Savings
0.05%
$2,500
Colonial Savings, F.A.
Colonial Savings, F.A.
Premium Money Market
0.05%
$25,000
F&M Bank Laotto, IN
F&M Bank Laotto, IN
Easy Interest Checking
0.01%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Spirit Financial Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
1st Northern California Credit Union
1st Northern California Credit Union
7-Year Fixed
3.990%
4.357%
0.750
Pioneer Federal Credit Union
Pioneer Federal Credit Union
15-Year Fixed
5.250%
5.491%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
5/1 ARM
5.500%
5.614%
0.000
Connections Bank
Connections Bank
15-Year Fixed
5.750%
5.810%
0.000
Mutual Security Credit Union
Mutual Security Credit Union
7/1 ARM
5.750%
5.834%
0.000
WVS West View SB
WVS West View SB
10-Year Fixed
5.490%
5.886%
0.000
Freedom Credit Union
Freedom Credit Union
15 Year Fixed
5.875%
5.944%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
5/5 ARM
5.750%
6.028%
0.250
Altoona First Savings Bank
Altoona First Savings Bank
30-Year Fixed
6.000%
6.031%
0.000
1st United Credit Union
1st United Credit Union
15-Year Fixed
6.000%
6.075%
0.000
Centreville Bank
Centreville Bank
15-Year Fixed Jumbo
6.125%
6.163%
0.000
Collinsville Bank
Collinsville Bank
15-Year Fixed
6.000%
6.181%
0.000
River Falls State Bank
River Falls State Bank
15-Year Fixed
6.000%
6.209%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
20 Year Fixed
6.000%
6.241%
0.000
Geddes Federal S&L
Geddes Federal S&L
7/1 ARM
6.504%
6.250%
0.000
The Bank of Brodhead
The Bank of Brodhead
15-Year Fixed
6.125%
6.276%
0.000
Catholic Vantage Financial Credit Union
Catholic Vantage Financial Credit Union
15 Year Fixed
6.125%
6.324%
0.000
Canton Co-operative Bank
Canton Co-operative Bank
15-Year Fixed
6.250%
6.363%
0.000
McCoy Federal Credit Union
McCoy Federal Credit Union
20 Year Fixed
6.250%
6.434%
0.000
Proponent Federal Credit Union
Proponent Federal Credit Union
15-Year Fixed
6.375%
6.451%
0.000
People First Federal Credit Union
People First Federal Credit Union
30-Year Fixed
6.250%
6.493%
0.000
Better Banks
Better Banks
15-Year Fixed
6.375%
6.503%
0.000
Golden Belt Bank, FSA
Golden Belt Bank, FSA
20-Year Fixed
6.500%
6.529%
0.000
Catholic Vantage Financial Credit Union
Catholic Vantage Financial Credit Union
20 Year Fixed
6.375%
6.536%
0.000
Addition Financial Credit Union
Addition Financial Credit Union
5-Year ARM
6.375%
6.538%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Spirit Financial Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
4U Federal Credit Union
4U Federal Credit Union
Credit Card
10.150%
ABNB Federal Credit Union
ABNB Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Classic
13.500%
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
Abri Credit Union
Abri Credit Union
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Low Rate
14.000%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
ACFCU
ACFCU
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
VISA Credit Card
8.990% - 17.990%
Maximum limit of $30,000
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Share-Secured Mastercard
13.900%
Maximum Loan Amount Up to $5,000.00
1st Northern California Credit Union
1st Northern California Credit Union
Visa Classic
11.900%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
Randolph Brooks FCU
Randolph Brooks FCU
World Cash Back Credit Card Mastercard
18.000%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
Marcus Bank
Marcus Bank
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
Canyon View Credit Union
Canyon View Credit Union
Visa Student Rewards Card
17.990%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Spirit Financial Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Vystar Credit Union
Vystar Credit Union
Personal Loans
10.000%
$0
1 - 36
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
Vystar Credit Union
Vystar Credit Union
Personal Loans
13.250%
$0
6184
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Access Line Of Credit
16.240%
$0
Teachers Federal Credit Union
Teachers Federal Credit Union
Unsecured Personal Loan
10.990%
$0 - $50,000
12 - 60
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
10.250%
$0
25 - 36
1st Northern California Credit Union
1st Northern California Credit Union
1st Line of Credit
9.900%
$0
AAEC Credit Union
AAEC Credit Union
Personal Signature Loans
14.000%
$0
60
A+ Federal Credit Union
A+ Federal Credit Union
A+ Preferred Line Of Credit
10.990%
$0
Hughes Federal Credit Union
Hughes Federal Credit Union
Summer/Holiday Loans
9.500%
$0
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
Abbey Credit Union
Abbey Credit Union
Signature (Unsecured) Loan
11.040%
$0
1 - 24
InFirst Bank
InFirst Bank
Personal Loan
12.000% - 12.110%
$1,500 - $15,000
48 - 48
360 Federal Credit Union
360 Federal Credit Union
Debt Consolidated
9.490%
$500
36
ABCO Federal Credit Union
ABCO Federal Credit Union
Personal Loans
10.490%
$0
1st Valley Credit Union
1st Valley Credit Union
Signature Loan
10.500%
$0
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Signature Loan
10.700%
$0 - $10,000
60 - 60
Abri Credit Union
Abri Credit Union
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
9.990% - 16.240%
$0
61 - 66
Academic Employees Credit Union
Academic Employees Credit Union
Personal Line of Credit
9.500%
$0
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
The Golden 1 Credit Union
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Personal Line of Credit
9.000%
$0
60
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Spirit Financial Credit Union rate data right now, check back for updates, we are adding rates all the time.

Spirit Financial Credit Union Information

Credit Union Name: Spirit Financial Credit Union
Full Time Employees: 8
Part Time Employees: 2
President: Shirley Turner
CEO: David Obarowski
Branch Locations: 1
ATM Locations: 1
Corporate Office Address:
8535 New Falls Rd
Levittown, PA 19054 1601
Phone Number: 267-580-0230
Fax Number: 267-580-0239

Spirit Financial Credit Union Financials

Total Assets:
74,619,899
Total Amount of Shares and Deposits:
65,148,594
Total Shares and Deposits < 1 Year:
58,846,744
Total Shares and Deposits 1 3 Years:
3,593,645
Total Shares and Deposits > 3 Years:
2,708,205
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,477,124
Total Uninsured Shares and Deposits > $250K (F+J):
4,477,124
Total Insured Shares and Deposits > $250K (item 17 less item K):
60,671,470
Total Interest Expense (Sum of items 6 8):
283,107
Share Certificates:
610
Number of Accounts for Share Drafts:
2,567
IRA KEOGH Accounts:
238
Number of Accounts for Regular Shares:
4,805
All other shares:
95
Non Member Deposits:
10
Money Market Shares:
102
Net Income (unless the amount is already included in Undivided Earnings):
6,045
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
6,587,906
Total Liabilities:
65,619,014
Show More

Spirit Financial Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
No
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Mortgage Processing:
No
Approved Mortgage Seller?:
No
Brokered Certificates of Deposits:
1
Brokered Deposits (All deposits acquired through a third party):
1
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

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Average CD rates moved higher this week for all CD terms with the exception of 3 month rates. The biggest average CD rate increase was on the longest term certificates of deposit. 5 year CD rates on average increased from 1.66 percent last week to 1.76 percent this week.
E-TRADE Bank Premium Savings AccountE*TRADE Bank Premium Savings Account which already had one of the best online savings rates available was upped to a new higher rate. The current savings rate on the Premium Savings Account from E*TRADE Bank is now at 2.08 percent with an APY of 2.10 percent.

Bank or Credit Union Offers and Deals

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Spirit Financial Credit Union Reviews

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