Spirit Financial Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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 103^rd largest credit union in the state of Pennsylvania. It is also the 2,139^th largest credit union in the nation. It was established in 1953 and as of December of 2024, it had grown to 8 employees and 3,975 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

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Health

B+

Data as of Q4 2024

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 Chartered	1953
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.34%
Return on Equity - YTD	-2.75%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$70.3MM$72.9MM
Loans	Q4 2024vs Q4 2023	$34.8MM$36.8MM
Deposits	Q4 2024vs Q4 2023	$61.3MM$63.4MM
Equity Capital	Q4 2024vs Q4 2023	$8.7MM$9MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$387K$176K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$129K$136K
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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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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
0.05%	$0	-	Share Account
0.05%	$0	-	Vacation Account
0.05%	$0	-	Christmas Account

Spirit Financial Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$10k^*	-	Money Market Account
OTHER TIERS: 0.45% → $5k - $10k

Spirit Financial Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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 Office	8535 New Falls Rd	Levittown, PA 19054-1601

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