American Spirit Credit Union
Verified rate book
Current American Spirit Credit Union rates
19 published offers verified as of July 28, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| DSHA Mortgage Program30 year fixed | 6.110% APR | 5.875% | — | Standard |
Auto & vehicle rates
6 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Boat Loanboat | 3.990% APR | 3.990% | — | Standard |
| New, Used & Refinanced Auto Loanauto_any | 3.990% APR | 3.990% | any | Standard |
| Motorcycle Loanmotorcycle | 3.990% APR | 3.990% | — | Standard |
| RV Loanrv | 3.990% APR | 3.990% | — | Standard |
| Auto – New and Usedauto_any | 5.000% APR | 5.000% | any | Standard |
| Title Loanauto | 18.000% APR | 18.000% | — | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fixed Rate Home Equity (2nd Lien) Loanheloc_fixed | 6.500% APR | 6.500% | — | Standard |
| HELOC (Variable)heloc_variable | 7.000% APR | 7.000% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 10.650% APR | 10.650% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 12-Month IRA Certificateira_cd_12mo | 2.71% APY | 2.70% | 12 mo | Standard |
| 24-Month IRA Certificateira_cd_24mo | 2.76% APY | 2.75% | 24 mo | Standard |
| 36-Month IRA Certificateira_cd_36mo | 2.86% APY | 2.85% | 36 mo | Standard |
| 48-Month IRA Certificateira_cd_48mo | 2.86% APY | 2.85% | 48 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 2.86% APY | 2.85% | 24 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.01% APY | 3.00% | 12 mo | Standard |
| 60-Month IRA Certificateira_cd_60mo | 3.01% APY | 3.00% | 60 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 3.06% APY | 3.05% | 36 mo | Standard |
| 48-Month Certificateshare_certificate_48mo | 3.11% APY | 3.10% | 48 mo | Standard |
As of July 28, 2026, American Spirit Credit Union offers a 30-year fixed mortgage at 6.11% APR. Vehicle loans available from 3.99% APR. HELOC rates from 6.5% APR. Personal loan rates from 10.65% APR. Savings and certificate yields up to 3.11% APY.
Source: RateAPI.dev, verified from American Spirit Credit Union's official website
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About American Spirit Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 12.1K
- Assets
- $69.5M
- Founded
- 1963
- Locations reported
- 5
- NCUA charter
- 15426
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Credit-builder products
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join American Spirit Credit Union
Membership eligibility from American Spirit Credit Union's own published criteria. How we verify this.
Membership criteria are published on American Spirit Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from American Spirit Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does American Spirit Credit Union offer?
American Spirit Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 28, 2026 directly from the credit union's official website.
How often are American Spirit Credit Union rates updated?
RateAPI verifies American Spirit Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 28, 2026.
Where does RateAPI get American Spirit Credit Union's rate data?
Rate data is collected directly from American Spirit Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is American Spirit Credit Union's mortgage rate?
As of July 28, 2026, American Spirit Credit Union offers a 30-year fixed mortgage at 6.11% APR.
What are American Spirit Credit Union's auto, rv, boat & motorcycle loan rates?
As of July 28, 2026, American Spirit Credit Union offers vehicle loans from 3.99% APR.
What is American Spirit Credit Union's HELOC rate?
As of July 28, 2026, American Spirit Credit Union offers home equity lines of credit from 6.5% APR.
What is American Spirit Credit Union's personal loan rate?
As of July 28, 2026, American Spirit Credit Union offers personal loans from 10.65% APR.
What is American Spirit Credit Union's best CD rate?
As of July 28, 2026, American Spirit Credit Union offers savings and certificate (CD) yields up to 3.11% APY.
Related Rate Data
Compare American Spirit Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for American Spirit Credit Union
curl "https://api.rateapi.dev/credit-unions/delaware/american-spirit" \
-H "Authorization: Bearer YOUR_API_KEY"