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Spirit Financial Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
spiritfinancialcu.org
267-580-0230
8535 New Falls Rd
Levittown, PA 19054

Spirit Financial Credit Union is headquartered in Levittown and is the 104th largest credit union in the state of Pennsylvania. It is also the 2,148th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 8 employees and 3,981 members at 1 location. Spirit Financial Credit Union's CD rates are 4X the national average, and it has a B+ 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. Family members of an existing Spirit Financial Credit Union and those who were employed by the credit union's original sponsor group, U.S. Steel, are also eligible for membership.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters
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

Overall
NCUA #60369
Year Chartered1953
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD4.2%
Annual Interest Income$750K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$70MM$74.6MM
LoansQ1 2025vs Q1 2024$33.5MM$35.9MM
DepositsQ1 2025vs Q1 2024$60.1MM$65.1MM
Equity CapitalQ1 2025vs Q1 2024$8.8MM$9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$346K$205K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$99K$155K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Spirit Financial 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.

Spirit Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Share Account
0.05%$0-Vacation Account
0.05%$0-Christmas Account

Spirit Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$10k*-Money Market Account
OTHER TIERS: 0.45% → $5k - $10k

Spirit Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-6 Month Share Certificate
3.75%$500-9 Month Share Certificate
3.75%$500-1 Year Share Certificate
3.75%$500-2 Year Share Certificate
3.75%$500-18 Month Share Certificate
3.60%$500-3 Year Share Certificate
3.50%$500-4 Year Share Certificate
3.40%$500-5 Year Share Certificate
0.50%$500-3 Month Share Certificate

Spirit Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$500-6 Month IRA Certificate
3.75%$500-9 Month IRA Certificate
3.75%$500-1 Year IRA Certificate
3.75%$500-2 Year IRA Certificate
3.75%$500-18 Month IRA Certificate
3.60%$500-3 Year IRA Certificate
3.50%$500-4 Year IRA Certificate
3.40%$500-5 Year IRA Certificate
0.50%*$50k*-IRA
OTHER TIERS: 0.45% → $5 - $50k
Locations


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

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