Featured Savings Rates
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Community Spirit Credit Union

Popular Accounts at this Credit Union

0.50%1-year CD12 Month Share Certificate
0.40%SavingsRegular Share
0.80%3-year CD36 Month Share Certificate

Overview / Commentary
160 Industrial Drive
Lawrenceburg, IN 47025

Community Spirit Credit Union is headquartered in Lawrenceburg and is the 105th largest credit union in the state of Indiana. It is also the 3,790th largest credit union in the nation. It was established in 1937 and as of December of 2017, it had grown to 6 employees and 2,130 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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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

NCUA #65493
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.01%
Return on Equity - YTD0.09%
Annual Interest Income$510.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$13.8MM$14.0MM
LoansQ4 2017vs Q4 2016$6.8MM$7.4MM
DepositsQ4 2017vs Q4 2016$11.4MM$11.5MM
Equity CapitalQ4 2017vs Q4 2016$2.3MM$2.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$146.00K$147.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$244.00K$239.00K
Real Estate OwnedQ4 2017vs Q4 2016$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.

Community Spirit Credit Union Savings Account Rates

1.00%--IRA Share
0.40%*$40k*-Regular Share
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $20k | 0.30% $20k - $40k
0.40%*$40k*-Kid's Club
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $20k | 0.30% $20k - $40k
0.15%--Christmas Club

Community Spirit Credit Union CD Rates

0.80%--36 Month Share Certificate
0.60%--24 Month Share Certificate
0.50%--12 Month Share Certificate

Community Spirit Credit Union IRA Rates

0.80%--36 Month IRA Certificate
0.60%--24 Month IRA Certificate
0.50%--12 Month IRA Certificate

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