What are the current interest rates at Spirit of Alaska Federal Credit Union?

Current rates for Spirit of Alaska Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.00%, 24-Month CD: 2.50%, 60-Month CD: 1.75%, Savings: 0.25%

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Spirit of Alaska Federal Credit Union

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Spirit of Alaska Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Spirit of Alaska Federal 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: September 21, 2026

Spirit of Alaska Federal Credit Union's 12 Month CD rates are at 3.50%, 18 Month CD rates are at 3.00%, 6 Month CD rates are at 2.75%, 24 Month CD rates are at 2.50%, 30 Month CD rates are at 2.25%. Spirit of Alaska Federal Credit Union's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of Spirit of Alaska Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.03%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Spirit of Alaska Federal Credit Union
Gillam Branch

1417 Gillam Way
Fairbanks, AK 99701

https://www.spiritofak.com

Spirit of Alaska Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.44%	3.50%	12 Month
Min Balance $500 Details Maximum of $50,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
18 Month Certificate	2.96%	3.00%	18 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
6 Month Certificate	2.71%	2.75%	6 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
24 Month Certificate	2.47%	2.50%	24 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
30 Month Certificate	2.23%	2.25%	30 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
36 Month Certificate	2.13%	2.15%	36 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
48 Month Certificate	1.98%	2.00%	48 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
3 Month Certificate	1.73%	1.75%	3 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
60 Month Certificate	1.73%	1.75%	60 Month
Min Balance $500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%

Spirit of Alaska Federal Credit Union Savings Rates

Product	Rate	APY
Money Market Savings Rate Tiers - Tier 8	1.54%	1.55%
Min Balance $250,000 Details Balance: $250,000.01 and up Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 7	1.04%	1.05%
Min Balance $100,000 Details Balance: $100,000.01 to $250,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 5	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000.01 to $75,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 6	0.80%	0.80%
Min Balance $75,000 Details Balance: $75,000.01 to $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 4	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 to $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 3	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.01 to $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 1	0.25%	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $5,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 2	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000.01 to $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%

Spirit of Alaska Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings Rate Tiers - Tier 8	1.54%	1.55%
Min Balance $250,000 Details Balance: $250,000.01 and up Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 7	1.04%	1.05%
Min Balance $100,000 Details Balance: $100,000.01 to $250,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 5	0.80%	0.80%
Min Balance $50,000 Details Balance: $50,000.01 to $75,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 6	0.80%	0.80%
Min Balance $75,000 Details Balance: $75,000.01 to $100,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 4	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.01 to $50,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 3	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.01 to $25,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 1	0.25%	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $5,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%
Money Market Savings Rate Tiers - Tier 2	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000.01 to $10,000.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Spirit of Alaska Federal Credit Union’s Texas Ratio stayed near 3.17% in Q2 2023 to 3.03% in Q1 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

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
March 31, 2026	$201M	3.03%	5.0	A+
December 31, 2025	$200M	1.29%	5.0	A+
September 30, 2025	$193M	1.74%	5.0	A+
June 30, 2025	$195M	2.24%	5.0	A+
March 31, 2025	$196M	3.23%	5.0	A+
December 31, 2024	$194M	2.24%	5.0	A+
September 30, 2024	$192M	2.38%	5.0	A+
June 30, 2024	$194M	2.48%	5.0	A+
March 31, 2024	$192M	3.60%	5.0	A+
December 31, 2023	$195M	3.20%	5.0	A+
September 30, 2023	$193M	4.64%	5.0	A+
June 30, 2023	$199M	3.17%	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 Spirit of Alaska 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 Spirit of Alaska 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 Spirit of Alaska Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Spirit of Alaska Federal Credit Union

Website https://www.spiritofak.com

Address 1417 Gillam Way, Fairbanks, AK 99701

Phone 907-459-5900

Fax

President Margaret Hernandez

CEO Anthony Rizk

Full-Time Employees 42

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.03%

Return on Assets (ROA)

0.2154%

Return on Equity (ROE)

1.4734%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

200,792,559

Total Amount of Shares and Deposits

170,617,453

Total Shares and Deposits < 1 Year

168,081,782

Total Shares and Deposits 1 3 Years

2,260,719

Total Shares and Deposits > 3 Years

274,952

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

8,011,997

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

8,011,997

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

162,605,456

Total Interest Expense (Sum of items 6 8)

230,051

Share Certificates

779

Number of Accounts for Share Drafts

6,650

IRA KEOGH Accounts

141

Number of Accounts for Regular Shares

10,402

Money Market Shares

334

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

432,577

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)

38,565,833

Total Liabilities

171,882,194

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Spirit of Alaska Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Spirit of Alaska Federal Credit Union

How many branches does Spirit of Alaska Federal Credit Union operate?

Spirit of Alaska 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 Spirit of Alaska Federal Credit Union?

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

Does Spirit of Alaska Federal Credit Union offer online and mobile banking?

Most modern institutions like Spirit of Alaska 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.spiritofak.com.