American Spirit Federal Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.00%Reward Checking
0.50%Reward Savings
2.26%1-year CD
View all American Spirit Federal Credit Union rates »

Overview / Commentary
302-738-4515
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 2,109th largest credit union in the nation. It was established in 1963 and as of September of 2018, it had grown to 13 employees and 13,147 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.
See current membership details

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Health
B+
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 Chartered1963
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD3.46%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$61.8MM$57.9MM
LoansQ3 2018vs Q3 2017$26.2MM$23.7MM
DepositsQ3 2018vs Q3 2017$51.0MM$48.7MM
Equity CapitalQ3 2018vs Q3 2017$8.9MM$9.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$306.00K$301.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$542.00K$638.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not American Spirit Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.51%--Traditional IRA
0.51%--Educational IRA
0.51%--Roth IRA
0.50%*-$10kKasasa 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.32% $10k+

American Spirit Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office1110 Elkton RdNewark, DE 19711
Branch Office58 Carver RdDover, DE 19904
Branch Office98 Sandhill Drmiddletown, DE 19709-5853

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