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Overview / Commentary
1110 Elkton Rd
Newark, DE 19711

American Spirit Federal Credit Union is headquartered in Newark and is the 9th largest credit union in the state of Delaware. It is also the 2,090th largest credit union in the nation. It was established in 1963 and as of December of 2016, it had grown to 11 employees and 12,885 members at 3 locations. American Spirit Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school in, and businesses and other legal entities in the City of Newark, Dover, or Middletown.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. American Spirit Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #15426
Year Chartered1963
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD3.69%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$62.1MM$63.2MM
LoansQ4 2016vs Q4 2015$22.2MM$20.0MM
DepositsQ4 2016vs Q4 2015$49.5MM$51.2MM
Equity CapitalQ4 2016vs Q4 2015$8.6MM$8.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$415.00K$349.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$522.00K$241.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

American Spirit Federal Credit Union Savings Account Rates

0.51%--Traditional IRA
0.51%--Educational IRA
0.51%--Roth IRA
0.25%$250-Share Account
0.25%$250-Special Account
0.25%$250-Vacation Club
0.25%$250-Insurance Accumulation Account
0.25%$250-Holiday Club
0.25%--Youth Shares

American Spirit Federal Credit Union Money Market Rates

0.40%*$50k*-Money Market Account
OTHER TIERS: 0.25% $1k - $10k | 0.30% $10k - $25k | 0.35% $25k - $50k

American Spirit Federal Credit Union CD Rates

0.86%*$50k*-48 Month CD
OTHER TIERS: 0.76% $1k - $10k | 0.81% $10k - $50k
0.81%*$50k*-36 Month CD
OTHER TIERS: 0.71% $1k - $10k | 0.76% $10k - $50k
0.56%*$50k*-24 Month CD
OTHER TIERS: 0.46% $1k - $10k | 0.51% $10k - $50k
0.26%*$50k*-12 Month CD
OTHER TIERS: 0.16% $1k - $10k | 0.21% $10k - $50k

American Spirit Federal Credit Union IRA Rates

1.06%$1k-3 Year IRA
1.06%$1k-4 Year IRA
1.06%$1k-5 Year IRA
0.56%$1k-2 Year IRA
0.41%$1k-1 Year IRA

American Spirit Federal Credit Union Locations
Branch Office1110 Elkton RdNewark, DE 19711
Branch Office58 Carver RdDover, DE 19904
Branch Office98 Sandhill Drmiddletown, DE 19709-5853