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Spirit of America

PO BOX 5556, Lincoln, NE 68505
NCUA Insured4.6 (28 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1943

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

Location & Directions

Address

PO BOX 5556

Lincoln, NE 68505

Service Area

This credit union is located in Lincoln and serves members in the NE area. Currently serving 3,584 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

6.50%

Used Auto Loan

8.00%

Personal Loan

11.25%

Credit Card APR

15.25%

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 NE

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

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

Branches & Locations(2 total)

Member Reviews

4.6

28 Google reviews

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

View on Google Maps
Daniel Joseph

Daniel Joseph

4 months ago

Stopped in the other day and talked with Cheryl. She was very helpful answering my questions and had a really positive attitude. It was just nice to talk to someone who didn't look at you as just a number and more of a person. Thank you for the help Cheryl!

Paul 70stastic

Paul 70stastic

7 months ago

Disappointing. I've been a member here for 25 years and the quality of service has steadily gone down. It's become a nuisance to do any business with this branch and I end up spending a lot of money trying to work around their arbitrary rules and impositions. It shouldn't be difficult to move my money but Spirit has found ways to underperform. (Response to response from owner) = Not having access to my money when I need it is only part of the customer service problems here. I requested new checks and was repeatedly issued checks with my name misspelled on them and had to keep driving in to request new checks. I was issued a new debit card and the card was inoperable on delivery and I was told I'd have to pay to get a new card. I had to drive in again to request a new card to actually get a functional card without paying needlessly and was told I'd have to wait weeks to get a new card if I wanted to keep my same card number. I waited weeks and still was issued a different card number and had to go through every company on my autopay list to change my card info. I also was never informed that my debit card is not a "real" Visa card and there are random things I can't buy with it, including using it to pay for rental cars. I was denied service when paying for a rental car when my daily driver was totaled by another driver and the lack of rental car availability cost me about $7,500. The lobby has been closed to public access for over 5 years and I have to buzz the door each time and answer a questionnaire to be allowed in each time. There is no reason to make accessing my money that difficult. Do better

Gini Russell

Gini Russell

7 years ago

We love spirit of America credit union. Cheryl is awesome! We have done business with her for many years. She is professional, friendly and knowledgeable. She is our personal banker and has become a friend. She always takes time to answer our questions and there is a fast turn around time on loan approvals. We trust her and that says a lot! Spirit of America is an awesome credit union because of the people they have working there—they care about you. You get personal customer service which is so different from large banking institutions. We’ve always had positive experiences here and have been completely satisfied with their service. We highly recommend this credit union!

Lynn Irons

Lynn Irons

7 years ago

Spirit of America not only has great deals on loans, they have the best staff of any bank I have ever dealt with. They truly care about all their members! They will always try to help you with your needs and tell you ways to raise your credit scores. They do lots of events for members family's throughout the year aand collect items for kids in need at Christmas time. They really do have great values and ethics!

Kitty Amaya

Kitty Amaya

7 years ago

Danielle has always been quick and easy with which to communicate. I have had two car loans with Spirit of America and my family and I have been members for over 40 years. This last car loan was important to me as it was my dream car. Spirit gave me a good deal and it was wrapped up in less than 10 days. A family credit union...

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).