Community Spirit Credit Union

160 Industrial Drive, Lawrenceburg, IN 47025

NCUA Insured4.4 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1937

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

Membership Eligibility

Anyone who lives, works, or worships in or around Lawrenceburg, IN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1937

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

160 Industrial Drive

Lawrenceburg, IN 47025

Google Maps 🗺Waze

(812) 537-0928

Service Area

This credit union is located in Lawrenceburg and serves members in the IN area. Currently serving 2,061 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

4.76%

Used Auto Loan

7.10%

Personal Loan

10.90%

Credit Card APR

12.90%

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 IN

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

Everwise— New Auto Loan

South Bend, IN

2.39%

Family Horizons— Used Auto Loan

Indianapolis, IN

3.40%

Hobart Ind School Employees— Personal Loan

Hobart, IN

4.00%

Power One— Credit Card APR

Fort Wayne, IN

6.90%

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

Branches & Locations(1 total)

Member Reviews

4.4

16 Google reviews

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

View on Google Maps

Cheyenne Casada

5 months ago

We used to LOVE Community Spirit and always highly recommended them to friends and family. Sadly their customer service standards have went downhill drastically. Tammy is the rudest person I’ve ever met and does the absolute bare minimum (if that) to help customers. I would suggest getting rid of her and doing a clean sweep of board members as well as Christy and Dave aren’t much better than Tammy. So sad to see what was once such a great local business go downhill because of a few bad apples.

Buck Murphy

12 months ago

I've ask them three , 4 times now to up the amount I can with draw, so I can pay rent. This is oveously to big deal to rap there heads around.. so for the fourth straight consecutive month... straight.. they have failed.. I hate having to be upset.. I'm a nice guy.. so I think my best bet is just draw all my money out. An go else where.. if nothing nice to say... say nothing is what I've always heard.. thumbs down.. two thumbs.. way down..

Wade Logan

12 years ago

This is a great place to do business. We were paired with this credit union when we bought a car in Lawrenceburg last year and it's been great ever since. We've left all previous accounts with our other banks (some of 8+ years) and solely bank with CSCU and have no plans to ever go elsewhere. Online banking looks slightly outdated compared to some larger, commercial banks... but don't let that fool you. It is absolutely the easiest online banking we've ever used. The simplicity of it makes money managing/paying bills and total breeze. (Compared to my last banks online system, very bulking, hard to find what i needed piled on top of the options I would never use) Communication is stellar, we've never had issues reaching anyone with any questions. I would recommend this credit union to anyone, honestly suprised this is the first review.

Pdavid Bauer

10 years ago

I have been banking with Community Spirit for almost 10 years. They still offer the simplest, most friendly, small town banking in the tri state!! Would recommend (and i do all the time) without hesitation! Thank you Community Spirit for your service to our small town community!

Robert Dennis

4 years ago

I want to give a huge thank you to the ladies at community spirit credit union. I have had such bad luck this last week or so and they have gone so far above and beyond to help me resolve the issues I've had even though none of it was their fault nor the banks. If your looking for a quality bank with unbelievably awesome service please go there you will not regret it!!!