American Spirit Federal Credit Union

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 2,028th largest credit union in the nation. It was established in 1963 and as of September of 2019, it had grown to 13 employees and 13,247 members at 3 locations. American Spirit Federal Credit Union's CD rates are 68% higher than 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


No reviews have been left for this bank yet. Be the first to review.

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 - YTD0.62%
Return on Equity - YTD4.17%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$66.8MM$61.8MM
LoansQ3 2019vs Q3 2018$29.0MM$26.2MM
DepositsQ3 2019vs Q3 2018$56.2MM$51.0MM
Equity CapitalQ3 2019vs Q3 2018$9.9MM$8.9MM
Loan Loss AllowanceQ3 2019vs Q3 2018$521.00K$306.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.0MM$542.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
Report an Issue

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

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

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

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

American Spirit Federal Credit Union CD Rates

2.12%*$50k*-48 Month CD
OTHER TIERS: 2.02% $1k - $10k | 2.07% $10k - $50k
2.07%*$50k*-36 Month CD
OTHER TIERS: 1.97% $1k - $10k | 2.02% $10k - $50k
1.81%*$50k*-24 Month CD
OTHER TIERS: 1.71% $1k - $10k | 1.76% $10k - $50k
1.51%*$50k*-12 Month CD
OTHER TIERS: 1.41% $1k - $10k | 1.46% $10k - $50k

American Spirit Federal Credit Union IRA Rates

2.48%$1k-5 Year IRA
2.27%$1k-4 Year IRA
2.07%$1k-3 Year IRA
1.56%$1k-2 Year IRA
1.16%$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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.