Spirit of America Federal Credit Union Rates and Review January 2026
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Brian McKay
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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.
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Compare Spirit of America Federal 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 of America Federal 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. Rate Updates and AvailabilitySpirit of America 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 CD rates or other rates available. Have you opened an account or have any experiences at Spirit of America Federal Credit Union? Share your experience about Spirit of America Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Spirit of America Federal Credit Union. Overall, Spirit of America Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Spirit of America Federal Credit Union Credit Union 325 N 52nd St Lincoln, NE 68504 3507  CD & Savings Rate ComparisonShow 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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonVisa Premier Plus
8.900%
Visa Secured
18.000%
Visa Signature® Cash Back
17.750%
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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. Personal Loan Rate ComparisonPersonal Loans
10.000%
$0
1 - 36
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
Personal Loan
9.200% - 17.950%
$0 - $15,000
60 - 60
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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 of America Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Spirit of America Federal Credit Union
Website: https://www.spiritofamericafcu.org
Full Time Employees: 9Part Time Employees: 0 President: Michael Hayes CEO: Cheryl Wiemer Branch Locations: 1 ATM Locations: 5 Corporate Office Address:
325 N 52nd St
Lincoln, NE 68504 3507 Phone Number: 402-467-1102 Fax Number: 402-467-3293 FinancialsTotal Assets:
53,659,624
Total Amount of Shares and Deposits:
47,037,570
Total Shares and Deposits < 1 Year:
46,198,463
Total Shares and Deposits 1 3 Years:
839,107
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
721,160
Total Uninsured Shares and Deposits > $250K (F+J):
721,160
Total Insured Shares and Deposits > $250K (item 17 less item K):
46,316,410
Total Interest Expense (Sum of items 6 8):
24,763
Share Certificates:
100
Number of Accounts for Share Drafts:
1,922
IRA KEOGH Accounts:
141
Number of Accounts for Regular Shares:
3,970
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
119,396
Total Liabilities:
47,475,142
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Spirit of America Federal Credit UnionIs a member application needed to join Spirit of America Federal Credit Union?Yes, to access services at Spirit of America Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Spirit of America Federal Credit Union provides a range of mortgage and home equity products. Is Spirit of America Federal Credit Union a safe place to deposit money?Yes, Spirit of America Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Spirit of America Federal Credit Union offer online and mobile banking?Most modern institutions like Spirit of America Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.17%, 6-month CD rates at 3.70% and 3-month CD rates at 0.75%. Savings rates are at 0.10% and money market rates are at 0.04%. Mortgage rates on 30-year fixed loans are around 6.75%. Credit Card rates are at 7.90%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates which you can compare to 
