American Spirit


1110 Elkton Rd
Newark, DE 19711
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.70% →
1-Year CD 0.40% 0.75% →
2-Year CD 0.60% 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

American Spirit is an NCUA insured institution located in Newark, DE. It was founded in 1963 and has approximately $77.76 millions in assets.

NCUA Insured Yes
Charter Number # # 15426
Date Established 1963
Assets $77.76 million
Loans $28.57 million
Deposits $67.01 million
Capital $11.04 million

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school in, and businesses and other legal entities in the City of Newark, Dover, or Middletown.

Deposit Rates - January 25, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.80% $10,000 $14,999 Learn More
36 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less

Loan Rates - January 25, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for AMERICAN SPIRIT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.576% 2.500% 1.00 $2,500 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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Below are American Spirit branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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American Spirit Locations

Financial Details

American Spirit Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of American Spirit. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
American Spirit U.S. Average
3.47% 4.42

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2020, American Spirit had $410,462 in non-current loans and $0 in owned assets. To cover these potential losses it had $11,041,371 in net worth and $791,603 in loans loss reserves. That gives it a Texas Ratio of 3.47%.

Net Worth
American Spirit U.S. Average
14.19% 12.91%

American Spirit FCU has a net worth of 14.19% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About American Spirit

Branches and Savings

What is American Spirit?

A credit union, registered with the NCUA under certificate #15426.
Learn more about credit unions here.

Is American Spirit FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join American Spirit?

Please see Field of Membership information above for information on who is eligible to join.

What are American Spirit's share account and share certificate rates?

American Spirit's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is American Spirit?

American Spirit has total capital of $11.04 million. Full information on American Spirit's financial position is located above.

Who owns American Spirit?

Credit Unions are owned by their members.

Where are American Spirit branches located?

See branch locations nearby.

Are American Spirit ATMs Open 24/7?

Do American Spirit ATMs accept cash deposits?

Can American Spirit customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does American Spirit have a mobile app?

Does American Spirit have mobile deposit?

Does American Spirit have quick pay?

How can American Spirit transfer money to other banks or credit unions?

Does American Spirit report to credit bureaus?

Does American Spirit use Chexsystems?

Does American Spirit use Equifax?

What is American Spirit's toll free phone number?

What is American Spirit's ACH Routing Number?

What is American Spirit's SWIFT code?

Where can I find American Spirit's wire transfer form?

What is the American Spirit address for deposits?

What Products Does American Spirit Offer

Does American Spirit offer mortgages?

Compare mortgage rates here.

Does American Spirit offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does American Spirit offer auto and RV loans?

Compare auto loan rates here.

Does American Spirit offer student loans or personal loans?

Compare personal loan rates here.

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