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Spirit Of Alaska Federal Credit Union


Overview / Commentary
spiritofak.com
907-459-5900
1417 Gillam Way
Fairbanks, AK 99701

Spirit Of Alaska Federal Credit Union is headquartered in Fairbanks and is the 8th largest credit union in the state of Alaska. It is also the 1,288th largest credit union in the nation. It was established in 1960 and as of June of 2024, it had grown to 48 employees and 10,130 members at 3 locations. Spirit Of Alaska Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Spirit Of Alaska Federal Credit Union offers membership to any person who lives, works, or worships in the Fairbanks North Star Borough; employees, retirees, pensioners and annuitants or students of public, parochial and private schools, high schools, and higher learning institutions north of the Alaska Range; alumni of colleges/universities located with the FOM, as well as, members of the Golden Valley Electric Association.
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Health
A

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #13583
Year Chartered1960
Employees48
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD6.35%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$194.3MM$198.8MM
LoansQ2 2024vs Q2 2023$115.9MM$122.5MM
DepositsQ2 2024vs Q2 2023$167.7MM$174.4MM
Equity CapitalQ2 2024vs Q2 2023$25.2MM$23.3MM
Loan Loss AllowanceQ2 2024vs Q2 2023$497K$361K
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$664K$796K
Real Estate OwnedQ2 2024vs Q2 2023$0$189K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Spirit Of Alaska Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$0-IRA Savings
0.15%$100-Business Savings
0.15%$100-Business e-Savings
0.11%$0-e-Savings
0.11%$0-Savings

Spirit Of Alaska Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$250k*-e-Money Market
OTHER TIERS: 0.25% → $0 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k
1.55%*$250k*-Money Market
OTHER TIERS: 0.25% → $0 - $10k | 0.35% → $10k - $25k | 0.50% → $25k - $50k | 0.80% → $50k - $100k | 1.05% → $100k - $250k

Spirit Of Alaska Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0-Business Prime Checking
0.10%*$1k*$10kPrime Checking
OTHER TIERS: 0.05% → $10k+

Spirit Of Alaska Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500$50k12 Month CD
3.00%$500-18 Month CD
2.75%$500-6 Month CD
2.50%$500-24 Month CD
2.25%$500-30 Month CD
2.15%$500-3 Year CD
2.00%$500-4 Year CD
1.75%$500-3 Month CD
1.75%$500-5 Year CD

Spirit Of Alaska Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500$50k12 Month IRA
3.00%$500-18 Month IRA
2.75%$500-6 Month IRA
2.50%$500-24 Month IRA
2.25%$500-30 Month IRA
2.15%$500-3 Year IRA
2.00%$500-4 Year IRA
1.75%$500-3 Month IRA
1.75%$500-5 Year IRA
Locations


Spirit Of Alaska Federal Credit Union Locations
Branch Office4001 Geist RdFairbanks, AK 99709-3569
Branch Office495 Harold Bentley AveFairbanks, AK 99701
Branch Office1417 Gillam WayFairbanks, AK 99701

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