American Spirit Federal Credit Union is a member-owned, nonprofit financial cooperative serving individuals who meet eligibility requirements at its Newark, Delaware headquarters and affiliated locations. Established to provide cooperative financial services, the organization operates with a governance model that emphasizes member participation in decision-making and democratic control. Its structure typically includes a board of directors and volunteer committees that oversee policy, risk management, and strategic direction.
The credit union offers core financial services aligned with the cooperative model, including deposit accounts, loans, and everyday banking products designed to support members’ financial needs. Its historical development reflects a mission to broaden access to affordable financial services within the community it serves, emphasizing stewardship of members’ capital and financial resilience. Operationally, the organization relies on standardized regulatory compliance, internal controls, and member education initiatives to maintain safety, soundness, and accountability in its daily operations.
Better than 44% of providers in Newark
In addition to the primary service, American Spirit Federal Credit Union also offers:
Other providers in Newark with similar ratings:
American Spirit Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
American Spirit Federal Credit Union is listed as a financial service provider in Newark, DE and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask American Spirit Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from American Spirit Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare American Spirit Federal Credit Union with other providers in Newark and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
American Spirit Federal Credit Union has a rating of 3.1, which is better than 44% of providers in Newark.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents American Spirit Federal Credit Union requests. It is always best to call ahead using the phone number on this page so American Spirit Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, American Spirit Federal Credit Union also offers: Credit union, ATM, Financial planner.