American Spirit

1110 ELKTON RD, Newark, DE 19711

NCUA Insured3.2 (69 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1963

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

Membership Eligibility

This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1963

Low-Income Designated

Minority Depository Institution (MDI)

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1110 ELKTON RD

Newark, DE 19711

Google Maps 🗺Waze

(302) 738-4515

Service Area

This credit union is located in Newark and serves members in the DE area. Currently serving 12,117 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

5.35%

Used Auto Loan

7.10%

Personal Loan

11.42%

Credit Card APR

10.05%

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 DE

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

Edu— New Auto Loan

New Castle, DE

3.50%

Priority Plus— Used Auto Loan

Wilmington, DE

3.99%

Delaware River & Bay Auth Emp— Personal Loan

New Castle, DE

6.34%

Delaware Alliance— Credit Card APR

New Castle, DE

7.99%

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

Branches & Locations(5 total)

Member Reviews

3.2

69 Google reviews

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

View on Google Maps

Mr.G

6 months ago

This Bank has the Most Incompetent people I have EVER came across!!! There's one Employee in particular...... "ALEXANDER". This young man is Extremely Terrible at his Job!!!!! Please retrain him or Consider Firing Him!! It's always the run around with him whenever I speak to him over the phone!! I truly believe it's time to take my money out of this FCU!!

dennis dobies

2 months ago

Paid off car loan 1st if January, been trying to get my title ever since, now they don't know where it is. Better do something and find it. I'm closing all my accounts with them to go to another credit union. Place has went down hill, do not recommend banking there.

Dr. Jennifer Greenfield

8 months ago

I’m a member of Freedom Credit Union, not American Spirit, but I needed a cashier’s check immediately. Linda at the Newark branch on Elkton Road was incredibly efficient in assisting me with the process. Even though it was a Saturday and the branch closed at noon, she stayed well past closing to help me, and even assisted the customer behind me. Truly fantastic service. Thank you, Linda!

Mary Hall

4 months ago

Wow!! So Tiffany was very friendly & the question I ask she was very thorough before giving answer. I appreciate that looking forward to working with her . Great pick America Spirit .