Credit union · NCUA insured
American Spirit Federal Credit Union Savings Rates
American Spirit Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How American Spirit Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where American Spirit Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
American Spirit Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $5
Share Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Comenity Capital Bank
4.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $405
American Spirit Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where American Spirit Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Kasasa Saver®
0.40%APY on $10,000
Free account that links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. Must meet qualification cycle requirements on linked checking to earn premier rates.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 0.40% |
On $10,000 the tiers blend to about 0.40% APY, earning $40 a year.
Sources (1)
- americanspirit.org/checking-accounts · captured Oct 22, 2026
Money Market Account
0.05%APY
A liquid savings account that earns high dividends, and has a minimum balance of $1000.00. Pays dividends from day of deposit to day of withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.05% | $5 |
| $10,001 and up | 0.10% | — |
| $25,001 and up | 0.15% | — |
| $50,001 and up | 0.20% | — |
Sources (2)
All captured Oct 22, 2026
Insurance Accumulation
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Share Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Special
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Holiday
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Individual Retirement Accounts (IRA’s)
0.05%APY
Available as Traditional IRA, Educational IRA, and Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional IRA, Educational IRA, and Roth IRA savings.Any balance | 0.05% | $5 | Applies to Traditional IRA, Educational IRA, and Roth IRA savings. |
Sources (2)
All captured Oct 22, 2026
Vacation
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Youth Savings Account
0.05%APY
Must be under 18 years of age.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be under 18 years of age. Pays dividends regardless of balance.Any balance | 0.05% | $5 | Must be under 18 years of age. Pays dividends regardless of balance. |
Sources (2)
All captured Oct 22, 2026
Who can join American Spirit Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.