Back to Fairbanks credit unions

Spirit of Alaska

1417 Gillam Way, Fairbanks, AK 99701
NCUA Insured4.6 (83 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1417 Gillam Way

Fairbanks, AK 99701

Service Area

This credit union is located in Fairbanks and serves members in the AK area. Currently serving 9,359 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

9.83%

Used Auto Loan

9.83%

Personal Loan

13.93%

Credit Card APR

13.19%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AK

Lowest rates currently reported by credit unions in AK (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.6

83 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Dustin Stahl

Dustin Stahl

3 months ago

Kathy, Mark, and Tony were great! My Home Refinance Loan went smoothy with no issues. The team was responsive, helpful and informative every step of the way. Our Title Company Agent commented at closing how easy it was to work with the SOA Team.

grizzly8u2

grizzly8u2

7 months ago

Melonnie is a true professional, her personality and professionalism are a great tribute to Spirit of Alaska Credit Union. During the course of our refinancing our 4 wheeler she exhibited, charm, joy and a true sense of caring She went the extra mile to help us taking into account our busy work schedules and was flexible to accommodate us This means a great deal when, in so many instances we find that businesses expect the customers to change their schedules to meet the institutional schedules. She has a terrific sales personality and excellent communication skills She is personable and outgoing She is a true asset to Spirit of Alaska Credit Union Thank you for taking care of us in such a kind and professional way.

Jerome Baxter

Jerome Baxter

4 months ago

I have been a member of Spirit of Alaska Credit Union when it was Northern School Federal Credit Union since 1992. The branch was in the Constitution Hall on the UAF campus. I have my first checking/savings account up there. Spirit of Alaska Credit Union has an amazing staff and has always treated myself and my family in nothing but the most professional and courteous ways. The staff are cheery and effective individuals that know their profession well. Just today, a Spirit of Alaska staff member handled a difficult situation going back to June of 2024, and even with the strenuous effort to achieve resolve, the issue was remedied. Again, the individuals that represent Spirit of Alaska Credit Union work with such finesse and strive to keep its clients informed and on the cutting edge of whatever venture they are pursuing. And,...this is why I have stayed with Spirit of Alaska Credit Union for so many years. Why change to a different system when the one we are with works? Common sense, reason, logic and experience tell us to stay the course with Spirit of Alaska Credit Union.

Amanda Nelson

Amanda Nelson

11 months ago

After owning a home in Fairbanks for 7 years, we wanted a local bank and one that would help us build our dream home on the Cooper River. We tried the “bigger” Alaska banks and were turned down by all. They either didn’t want to work south of the range, or too remote. The team at Spirit of Alaska Gilliam Branch, Mark, Tony and Kathy, were awesome and always had a “can do” attitude! They believed in us and we believed in them!! Did it finish on time? No. Equipment, plumbers, inspections took time, but they were understanding the whole time!!! We recommend this team with our highest regard. 10/10 :) Go talk to Mark!!!

Michael Ahiers

Michael Ahiers

6 months ago

We recently worked with Melonnie Osterhout on a couple of different projects and couldn’t be happier. Melonnie is not only very knowledgeable and professional but super prompt and an excellent communicator. A true pleasure to work with!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).