Spirit Financial Credit Union

Overview / Commentary
8535 New Falls Rd
Levittown, PA 19054

Spirit Financial Credit Union is headquartered in Levittown and is the 108th largest credit union in the state of Pennsylvania. It is also the 2,229th largest credit union in the nation. It was established in 1953 and as of June of 2021, it had grown to 9 employees and 3,859 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 - YTD0.45%
Return on Equity - YTD3.72%
Annual Interest Income$945.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$67.0MM$58.9MM
LoansQ2 2021vs Q2 2020$32.2MM$28.2MM
DepositsQ2 2021vs Q2 2020$58.3MM$50.8MM
Equity CapitalQ2 2021vs Q2 2020$8.1MM$7.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$35.00K$49.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$98.00K$132.00K
Real Estate OwnedQ2 2021vs Q2 2020$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
0.60%$500-2 Year Share Certificate
0.50%$500-18 Month Share Certificate
0.40%$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
0.60%$500-2 Year IRA Certificate
0.50%$500-18 Month IRA Certificate
0.40%$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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