AMERICAN SPIRIT

1110 ELKTON RD
Newark, DE 19711

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 15426
Date Established 1963
Assets $65.48 million
Loans $27.18 million
Deposits $55.61 million
Capital $10.30 million

American Spirit is an NCUA insured institution located in Newark, DE. It was founded in 1963 and has approximately $65.48 millions in assets.

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 - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $1,000 $10,000 Learn MoreShow Less
Money Market
0.30% $10,001 $25,000 Learn MoreShow Less
Money Market
0.35% $25,001 $50,000 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
1.16% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
1.46% $10,000 $49,999 Learn MoreShow Less
24 Mo CD
1.76% $10,000 $49,999 Learn MoreShow Less
36 Mo CD
2.01% $10,000 $49,999 Learn MoreShow Less
48 Mo CD
2.06% $10,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.51% $1 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to AMERICAN SPIRIT
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

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.

Your Location:
Fairfield,Connecticut


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
20.83% 6.77

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 March 31, 2019, American Spirit had $2,239,176 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,299,974 in net worth and $449,251 in loans loss reserves. That gives it a Texas Ratio of 20.83%.

Net Worth
American Spirit U.S. Average
15.73% 13.47%

American Spirit FCU has a net worth of 15.73% versus the BestCashCow average of 13.47. 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 federal 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 $10.30 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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