American Spirit Federal Credit Union

Overview / Commentary

www.americanspirit.org

302-738-4515

1110 Elkton Rd
Newark, DE 19711

American Spirit Federal Credit Union is headquartered in Newark and is the 9^th largest credit union in the state of Delaware. It is also the 2,049^th largest credit union in the nation. It was established in 1963 and as of March of 2019, it had grown to 13 employees and 13,164 members at 3 locations. American Spirit Federal Credit Union's CD rates are 3X the national average, and it 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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Health

Data as of Q1 2019

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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

Overall
NCUA #	15426
Year Chartered	1963
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	2.44%
Annual Interest Income	$572.00K

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$65.5MM$61.7MM
Loans	Q1 2019vs Q1 2018	$27.2MM$24.9MM
Deposits	Q1 2019vs Q1 2018	$55.6MM$52.4MM
Equity Capital	Q1 2019vs Q1 2018	$9.3MM$8.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$449.00K$315.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$551.00K$561.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.51%	-	-	Traditional IRA
0.51%	-	-	Educational IRA
0.51%	-	-	Roth IRA
0.50%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.18% → $10k+
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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 Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.32% → $10k+

American Spirit Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.86%^*	$50k^*	-	48 Month CD
OTHER TIERS: 2.76% → $1k - $10k \| 2.81% → $10k - $50k
2.81%^*	$50k^*	-	36 Month CD
OTHER TIERS: 2.71% → $1k - $10k \| 2.76% → $10k - $50k
2.56%^*	$50k^*	-	24 Month CD
OTHER TIERS: 2.46% → $1k - $10k \| 2.51% → $10k - $50k
2.26%^*	$50k^*	-	12 Month CD
OTHER TIERS: 2.16% → $1k - $10k \| 2.21% → $10k - $50k

American Spirit Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.46%	$1k	-	5 Year IRA
2.26%	$1k	-	4 Year IRA
2.06%	$1k	-	3 Year IRA
1.56%	$1k	-	2 Year IRA
1.16%	$1k	-	1 Year IRA

Locations

American Spirit Federal Credit Union Locations
Branch Office	1110 Elkton Rd	Newark, DE 19711
Branch Office	58 Carver Rd	Dover, DE 19904
Branch Office	98 Sandhill Dr	middletown, DE 19709-5853

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