Spirit Financial Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.30%	5-year CD	5 Year Share Certificate 2.50% - Ally Bank High Yield 5 Year CD
0.80%	1-year CD	1 Year Share Certificate 2.10% - Goldman Sachs Bank USA High-yield 12 Month CD
0.05%	Savings	Share Account 1.30% - Nationwide Bank Online Savings Account

View all Spirit Financial Credit Union rates »

Overview / Commentary

www.fairlesscu.org

267-580-0230

8535 New Falls Rd
Levittown, PA 19054

Spirit Financial Credit Union is headquartered in Levittown and is the 115^th largest credit union in the state of Pennsylvania. It is also the 2,353^rd largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 9 employees and 3,811 members at 2 locations. Spirit Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Fairless Credit Union is open to those who live, work, attend school or worship in Bucks County in Pennsylvania.
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Health

B+

Data as of Q4 2017

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 low asset base.

Health Grade Components

Overall
NCUA #	60369
Year Chartered	1953
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	2.86%
Annual Interest Income	$1.3MM

Assets and Liabilities
Assets	Q4 2017vs Q4 2016	$48.7MM$47.6MM
Loans	Q4 2017vs Q4 2016	$18.4MM$20.1MM
Deposits	Q4 2017vs Q4 2016	$41.0MM$40.3MM
Equity Capital	Q4 2017vs Q4 2016	$7.1MM$6.9MM
Loan Loss Allowance	Q4 2017vs Q4 2016	$64.00K$62.00K
Unbacked Noncurrent Loans	Q4 2017vs Q4 2016	$231.00K$189.00K
Real Estate Owned	Q4 2017vs Q4 2016	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$50k^*	-	IRA Accumulation
OTHER TIERS: 0.20% → Up to $50k
0.05%	-	-	Share Account
0.05%	-	-	Vacation Account
0.05%	-	-	Christmas Account

Spirit Financial Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → $5k - $10k \| 0.20% → $10k - $50k

Spirit Financial Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$500	-	5 Year Share Certificate
2.10%	$500	-	4 Year Share Certificate
1.90%	$500	-	3 Year Share Certificate
1.60%	$500	-	2 Year Share Certificate
1.00%	$500	-	18 Month Share Certificate
0.80%	$500	-	1 Year Share Certificate
0.60%	$500	-	9 Month Share Certificate
0.40%	$500	-	6 Month Share Certificate
0.20%	$500	-	3 Month Share Certificate

Spirit Financial Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.30%	$500	-	5 Year IRA Certificate
2.10%	$500	-	4 Year IRA Certificate
1.90%	$500	-	3 Year IRA Certificate
1.60%	$500	-	2 Year IRA Certificate
1.00%	$500	-	18 Month IRA Certificate
0.80%	$500	-	1 Year IRA Certificate
0.60%	$500	-	9 Month IRA Certificate
0.40%	$500	-	6 Month IRA Certificate

Locations

Spirit Financial Credit Union Locations
Corporate Office	8535 New Falls Rd	Levittown, PA 19054-1601
Branch Office	521 S Oxford Valley Rd	Fairless Hills, PA 19030-2612

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