Credit union · NCUA insured
Spirit Financial CU Savings Rates
Spirit Financial CU’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Spirit Financial CU’s savings rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Spirit Financial CU has the most branches. $10,000, best rate first.
This credit union’s best
Spirit Financial CU
0.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market 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
Spirit Financial CU savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Spirit Financial CU 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.
Money Market Account
0.50%APY
A $5,000 minimum balance requirement. Account activity, per federal regulations, is limited to six automatic or pre-authorized transfers or withdrawals per month. In-person withdrawals or transfers are not limited. Tiered interest rates based on current balance. Daily compounding of interest with monthly posting.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 – $10,000 | 0.45% | — |
| $10,000 – $50,000 | 0.50% | $50 |
| $50,000 and up | 0.50% | — |
Savings Accounts
0.05%APY
Minimum balance of $5 required for credit union membership. Account activity limited to six automatic or pre-authorized transfers or withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Accounts
0.45%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Accounts. Fixed rate investment IRA. Deposits insured separately up to $500,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $50,000 | 0.45% | $45 |
| $50,000 and up | 0.50% | — |
Christmas Club
0.05%APY
No monthly service charge. No minimum balance or minimum monthly deposit. At request, funds can be rolled over directly into savings or checking account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Vacation Club
0.05%APY
Earns dividends posted monthly. Funds can be transferred directly to share savings or checking accounts upon request.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join Spirit Financial CU
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.
Membership information collected October 5, 2026.