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Overview / Commentary
8535 New Falls Rd
Levittown, PA 19054

Spirit Financial Credit Union is headquartered in Levittown and is the 112th largest credit union in the state of Pennsylvania. It is also the 2,351st largest credit union in the nation. It was established in 1953 and as of September of 2017, it had grown to 9 employees and 3,835 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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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

NCUA #60369
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD3.12%
Annual Interest Income$987.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$49.3MM$46.9MM
LoansQ3 2017vs Q3 2016$18.4MM$20.4MM
DepositsQ3 2017vs Q3 2016$41.8MM$39.8MM
Equity CapitalQ3 2017vs Q3 2016$7.1MM$6.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$42.00K$66.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$161.00K$173.00K
Real Estate OwnedQ3 2017vs Q3 2016$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

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

0.30%*$50k*-Money Market Account
OTHER TIERS: 0.10% $5k - $10k | 0.20% $10k - $50k

Spirit Financial Credit Union CD Rates

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

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

Spirit Financial Credit Union Locations
Corporate Office8535 New Falls RdLevittown, PA 19054-1601
Branch Office521 S Oxford Valley RdFairless Hills, PA 19030-2612