1417 Gillam Way
Fairbanks, AK 99701

Notable Rates APY Vs.Others
Savings 0.11% 1.90% →
1-Year CD N.A. 1.90% →
2-Year CD 1.88% 1.95% →
5-Year CD 1.86% 2.00% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

Spirit Of Alaska is an NCUA insured institution located in Fairbanks, AK. It was founded in 1960 and has approximately $155.8 millions in assets.

NCUA Insured Yes
Charter Number # # 13583
Date Established 1960
Assets $155.80 million
Loans $107.62 million
Deposits $135.16 million
Capital $19.37 million

Field of Membership Restrictions

Membership is open to those who live, work, or worship within the Fairbanks North Star Borough. Membership is also open to employees and students of public, private and parochial schools, high schools, and institutions of higher learning north of the Alaska Range.

Deposit Rates - April 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.15% $1 $5,000 Learn MoreShow Less
Money Market
0.25% $10,001 $25,000 Learn MoreShow Less
Money Market
0.30% $25,001 $50,000 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.55% $500 - Learn MoreShow Less
6 Mo CD
0.80% $500 - Learn MoreShow Less
18 Mo CD
2.00% $500 - Learn MoreShow Less
24 Mo CD
1.88% $500 - Learn MoreShow Less
30 Mo CD
1.88% $500 - Learn MoreShow Less
36 Mo CD
1.84% $500 - Learn MoreShow Less
48 Mo CD
1.85% $500 - Learn MoreShow Less
60 Mo CD
1.86% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.15% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $1,000 $10,000 Learn MoreShow Less

Loan Rates - April 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SPIRIT OF ALASKA

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

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


Below are Spirit Of Alaska 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:

Spirit Of Alaska Locations

Financial Details

Spirit Of Alaska Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spirit Of Alaska. 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
Spirit Of Alaska U.S. Average
9.10% 5.86

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 June 30, 2019, Spirit Of Alaska had $1,378,161 in non-current loans and $431,579 in owned assets. To cover these potential losses it had $19,373,430 in net worth and $511,061 in loans loss reserves. That gives it a Texas Ratio of 9.10%.

Net Worth
Spirit Of Alaska U.S. Average
12.64% 13.65%

Spirit Of Alaska FCU has a net worth of 12.64% versus the BestCashCow average of 13.65. 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 Spirit Of Alaska

Branches and Savings

What is Spirit Of Alaska?

A federal credit union, registered with the NCUA under certificate #13583.
Learn more about credit unions here.

Is Spirit Of Alaska 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 Spirit Of Alaska?

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

What are Spirit Of Alaska's share account and share certificate rates?

Spirit Of Alaska'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 Spirit Of Alaska?

Spirit Of Alaska has total capital of $19.37 million. Full information on Spirit Of Alaska's financial position is located above.

Who owns Spirit Of Alaska?

Credit Unions are owned by their members.

Where are Spirit Of Alaska branches located?

See branch locations nearby.

Are Spirit Of Alaska ATMs Open 24/7?

Do Spirit Of Alaska ATMs accept cash deposits?

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

Does Spirit Of Alaska have a mobile app?

Does Spirit Of Alaska have mobile deposit?

Does Spirit Of Alaska have quick pay?

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

Does Spirit Of Alaska report to credit bureaus?

Does Spirit Of Alaska use Chexsystems?

Does Spirit Of Alaska use Equifax?

What is Spirit Of Alaska's toll free phone number?

What is Spirit Of Alaska's ACH Routing Number?

What is Spirit Of Alaska's SWIFT code?

Where can I find Spirit Of Alaska's wire transfer form?

What is the Spirit Of Alaska address for deposits?

What Products Does Spirit Of Alaska Offer

Does Spirit Of Alaska offer mortgages?

Compare mortgage rates here.

Does Spirit Of Alaska offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spirit Of Alaska offer auto and RV loans?

Compare auto loan rates here.

Does Spirit Of Alaska offer student loans or personal loans?

Compare personal loan rates here.

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