Credit union · NCUA insured
Spirit Financial CU
A $68.8M credit union headquartered in Levittown, PA, with 3,725 members and 1 branch in Pennsylvania. Best rates: CDs 4.15% and savings 0.50% APY.
Spirit Financial CU Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#46 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spirit Financial CU
Spirit Financial Credit Union is located in Levittown, Pennsylvania, serving Lower Bucks County.
- Headquarters
- 8535 New Falls Rd, Levittown, PA 19054-1601
- NCUA charter
- 60369
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school anywhere in Bucks County, PA.
Family and household
- Membership is open to family members and immediate family members of existing Credit Union members.
Cost to join
- Opening membership requires an initial $5 deposit into a share savings account.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- LevittownMain office8535 New Falls Rd, Levittown, PA 19054Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.41% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.03% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio13.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.41%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Spirit Financial CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.