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Community Spirit Credit Union Share
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Overview Share
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Community Spirit Credit Union is a federally insured state credit union based in Lawrenceburg, Indiana. It has been opened since 1937, for 85 years.

With around $13,060,000 in assets, Community Spirit Credit Union is considered to be a medium size credit union. It has 1 branches and 1 ATM locations.

About Share
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Address 160 Industrial Drive
Lawrenceburg, Indiana 47025
Website http://www.communityspiritcu.org
Phone (812) 537-0928
Fax (812) 537-0186
CEO Tamara Brett
President of the Board Kevin Rennier
Services Offered
Score Card Share
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85 years
Years in business
Opened in 1937
Well Capitalized
Net worth classification
Source: NCUA
1,953 members
Membership type: State chartered natural person credit union
Below average number of members
391:1
Credit union member to staff ratio
391 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$13,055,568
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in Indiana
Average number of branches
0.40%
Savings interest rate
Compared to 0.3% nationally
9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Indiana
Average number of branches
Community Spirit Credit Union Branch Locations

Community Spirit Credit Union
160 Industrial Drive
Lawrenceburg, Indiana 47025
ATM Available
Members Share
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1,953 members
Membership type: State chartered natural person credit union
Below average number of members

With 1,953 members, the Community Spirit Credit Union is considered to be a small credit union. It is smaller than 66% of credit unions.

Fees Share
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$61
Average fee per member
The average fee per member at the Community Spirit Credit Union is $61, which is high compared to most credit unions. This rate is higher than 60% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Community Spirit Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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391:1
Credit union member to staff ratio
391 per each FTE employee
Compared to 411:1 nationally
Average number of staff
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Community Spirit Credit Union has 5 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Community Spirit Credit Union has around 391 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets Share
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$13,055,568
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
16.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,428
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 74% of credit unions.

Community Spirit Credit Union holds a total of $6,340,000 in loans and leases, which is about $7,428 per member on average.

Savings interest rate Share
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0.40%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Community Spirit Credit Union pays 0.40%.

Loan rates Share
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9.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.60%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.15%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.34%
New car loan rate
Compared to 4.0% nationally
6.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.15%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.10%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Community Spirit Credit Union ATM
Credit Union ATM: 160 Industrial Drive
Lawrenceburg, Indiana 47025
American Spirit Credit Union: American Spirit - Middletown
Credit Union Branch: 98 Sandhill Drive
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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
Community Spirit Bank
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Community Spirit Credit Union
Credit Union Branch: 160 Industrial Drive
Lawrenceburg, Indiana 47025 ATM Available
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Citizens Community Credit Union
Credit Union Branch: 1805 18th Street
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American Spirit Credit Union: American Spirit - Dover
Credit Union Branch: 58 Carver Road
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