Spirit Financial Credit Union

Overview / Commentary
8535 New Falls Rd
Levittown, PA 19054

Spirit Financial Credit Union is headquartered in Levittown and is the 110th largest credit union in the state of Pennsylvania. It is also the 2,237th largest credit union in the nation. It was established in 1953 and as of December of 2020, it had grown to 10 employees and 3,855 members at 1 location. Spirit Financial Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Spirit Financial Credit Union is open to those who live, work, worship, or attend school in Bucks County, Pennsylvania.
See current membership details


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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. Spirit Financial Credit Union has a relatively low asset base.

Health Grade Components

NCUA #60369
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.16%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$62.4MM$50.9MM
LoansQ4 2020vs Q4 2019$31.4MM$25.7MM
DepositsQ4 2020vs Q4 2019$53.9MM$43.0MM
Equity CapitalQ4 2020vs Q4 2019$7.9MM$7.6MM
Loan Loss AllowanceQ4 2020vs Q4 2019$43.00K$58.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$95.00K$77.00K
Real Estate OwnedQ4 2020vs Q4 2019$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.

Spirit Financial Credit Union Savings Account Rates

OTHER TIERS: 0.20% $5 - $50k
0.05%--Share Account
0.05%--Vacation Account
0.05%--Christmas Account

Spirit Financial Credit Union Money Market Rates

0.20%*$10k*-Money Market Account
OTHER TIERS: 0.15% $5k - $10k

Spirit Financial Credit Union CD Rates

0.90%$500-5 Year Share Certificate
0.85%$500-4 Year Share Certificate
0.80%$500-3 Year Share Certificate
0.65%$500-2 Year Share Certificate
0.55%$500-18 Month Share Certificate
0.50%$500-1 Year Share Certificate
0.30%$500-9 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.20%$500-3 Month Share Certificate

Spirit Financial Credit Union IRA Rates

0.90%$500-5 Year IRA Certificate
0.85%$500-4 Year IRA Certificate
0.80%$500-3 Year IRA Certificate
0.65%$500-2 Year IRA Certificate
0.55%$500-18 Month IRA Certificate
0.50%$500-1 Year IRA Certificate
0.30%$500-9 Month IRA Certificate
0.25%$500-6 Month IRA Certificate

Spirit Financial Credit Union Locations
Corporate Office8535 New Falls RdLevittown, PA 19054-1601

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