Spirit Financial Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.50%	5-year CD	3.10% - Synchrony Bank 60 Month CD
0.80%	1-year CD	2.50% - Synchrony Bank 12 Month CD
0.05%	Savings	1.90% - American Express National Bank High Yield 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 2,340^th largest credit union in the nation. It was established in 1953 and as of June of 2018, it had grown to 11 employees and 3,810 members at 2 locations. Spirit Financial Credit Union's money market rates are 25% higher than the national average, and it 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.
See current membership details

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Health

B+

Data as of Q2 2018

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	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.43%
Return on Equity - YTD	2.96%
Annual Interest Income	$697.00K

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$50.1MM$50.4MM
Loans	Q2 2018vs Q2 2017	$20.9MM$18.6MM
Deposits	Q2 2018vs Q2 2017	$42.1MM$43.1MM
Equity Capital	Q2 2018vs Q2 2017	$7.2MM$7.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$49.00K$44.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$93.00K$77.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$122.00K

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
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.55%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.20% → $5k - $10k \| 0.40% → $10k - $50k

Spirit Financial Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$500	-	5 Year Share Certificate
2.40%	$500	-	4 Year Share Certificate
2.30%	$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
2.50%	$500	-	5 Year IRA Certificate
2.40%	$500	-	4 Year IRA Certificate
2.30%	$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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