Community Spirit Credit Union


Overview / Commentary
812-537-0928
160 Industrial Drive
Lawrenceburg, IN 47025

Community Spirit Credit Union is headquartered in Lawrenceburg and is the 97th largest credit union in the state of Indiana. It is also the 3,205th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 5 employees and 2,065 members at 1 location. Community Spirit Credit Union has a C+ health rating.

Field of Membership Restrictions

Community Spirit CU is open to the residents and people that maintain employment in the Ohio Township of Dearborn and the Counties of Ripley and Switzerland, along with the employees of Joseph E. Seagram & Sons and their family members.
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Health
C+
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. Community Spirit Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65493
Year Chartered1937
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD-0.36%
Return on Equity - YTD-3.52%
Annual Interest Income$224K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$20.3MM$19.5MM
LoansQ1 2025vs Q1 2024$11.1MM$12.4MM
DepositsQ1 2025vs Q1 2024$18.1MM$16.3MM
Equity CapitalQ1 2025vs Q1 2024$2.1MM$2.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$104K$66K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$318K$202K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Spirit Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$40k*-Regular Share
OTHER TIERS: 0.10% $5 - $10k | 0.20% $10k - $20k | 0.30% $20k - $40k
0.50%*$40k*-Kid's Club
OTHER TIERS: 0.10% $5 - $10k | 0.20% $10k - $20k | 0.30% $20k - $40k
0.05%$0-Christmas Club

Community Spirit Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%$0-IRA Share
Locations


Community Spirit Credit Union Locations
Branch Office160 Industrial DrLawrenceburg, IN 47025-1116

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