Spirit of America Federal Credit Union is a member-owned financial cooperative serving individuals who share a common bond, such as employment, residence, or association within its field of membership. Established to provide cooperative, democratically governed access to financial services, the organization operates under the credit union model that emphasizes member benefit, shared ownership, and community-oriented stewardship. Its governance typically includes a volunteer board of directors and supervisory committee responsible for strategic oversight, policy direction, and safeguarding member assets.
The credit union offers standard financial products and services aligned with cooperative principles, including savings and share accounts, loans, and other member-focused programs. Its historical development reflects the broader evolution of credit unions in the United States, emphasizing financial inclusion, prudent risk management, and local community engagement. Operationally, Spirit of America Federal Credit Union conducts routine member service activities, financial processing, and regulatory compliance to maintain safety, soundness, and accessibility for its membership base.
Better than 88% of providers in Lincoln
In addition to the primary service, Spirit of America Federal Credit Union also offers:
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Spirit of America 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
Spirit of America Federal Credit Union is listed as a financial service provider in Lincoln, NE 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 Spirit of America Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Spirit of America 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 Spirit of America Federal Credit Union with other providers in Lincoln and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Spirit of America Federal Credit Union has a rating of 4.7, which is better than 88% of providers in Lincoln.
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 Spirit of America Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Spirit of America Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Spirit of America Federal Credit Union also offers: Loan agency, Bank, Car finance and loan company, Credit union, Mortgage lender.