Community Spirit Credit Union

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A short history of Community Spirit CU

Since its inception in 1937 the Community Spirit Credit Union has been serving its members in the Lawrenceburg, Indiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Emily Everett, the Community Spirit CU has grown its membership to over 1,885 with assets of more than $14,196,904. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (812) 537-0928 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Lawrenceburg, IN.

General Information For Community Spirit CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 65493
Address 160 Industrial Drive 
City Lawrenceburg 
State Indiana 
Zip-Code 47025
Phone Number (812) 537-0928
Fax Number (812) 537-0186
Email Address:
CEO/President Emily Everett
Members 1,885 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 14,196,904 

Compare Community Spirit Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Dearborn County Hospital CU DEARBORN CO HOSPITAL FCU 600 Wilson Creek Rd 47025 (812) 537-8153 No 3.47
Presidents CU MAIN BRANCH 4135 Hamilton Cleves Rd 45002 (513) 941-6675 No 7.12
Cincinnati Employees CU Cincinnati Employees Credit Union 1003 Harrison Ave Ste 200 45030 (513) 367-4495 No 8.11
Whitewater Community CU Main 1157 Harrison Ave 45030 (513) 202-1306 No 8.14
St. James Parish CU St. James Parish Credit Union 6195 Cheviot Rd 45247 (513) 385-5921 No 15.89

Community Spirit Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Community Spirit Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 2.90 5.00 5.00 5.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 133 324 268 229
Rank Among All Indiana Credit Unions 52 21 59 52 33

Community Spirit Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.30 N/A 0.50 1.00
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 88 N/A 263 158
Rank Among All Indiana Credit Unions N/A 13 N/A 44 16
Community Spirit Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.90057135,623
All Other Unsecured Loans/Lines of Credit 13.500303702,335
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.90013231,438
Used Vehicle Loans 5.0005564,162,558
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.00011380,589
Total Other Real Estate Loans/Lines of Credit 5.00016371,545
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0001291,172,122
TOTAL LOANS & LEASES 1,0857,156,210

Community Spirit Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 11380,58900
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 264,06300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 14307,482126,985
Open-End Fixed Rate 0000
TOTALS 27752,134126,985


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Community Spirit Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes