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Community Spirit Credit Union
"Where people are worth more than money"
The credit union was founded in 1937 for the
employees of Joseph E. Seagram & Sons in
Lawrenceburg, Indiana and their families.
The purpose of the credit union was to
provide an affordable source of borrowing
and to promote thrift among its members.
Currently the credit union serves anyone
working or residing in Dearborn, Ohio,
Ripley, and Switzerland counties.
Mission Statement
The mission of the Community Spirit
Credit Union as a non-profit organization,
is to provide its members with reasonably
priced financial services in an attempt to
improve the quality of their lives.
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Rates are Effective As of January 1, 2024
| Savings Rates |
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APY* |
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| Regular Shares & Kid's Club |
$5.00 to $9999.99 |
.10% |
.10% |
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$10,000.00 to $19,999.99 |
.20% |
.20% |
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$20,000.00 to $39,999.99 |
.30% |
.30% |
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$40,000.00 & Above |
.50% |
.50% |
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| IRAs |
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1.00% |
1.01% |
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| Christmas Club |
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.05% |
.05% |
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Fees may reduce earnings. Rates vary after the account is opened
NOTICE: Rates, terms and conditions are subject to change without notice. |
| Share Certificates |
Term |
APY* |
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12 months |
Call for current rates |
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24 months |
Call for current rates |
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36 months |
Call for current rates |
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| *annual percentage yield |
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NOTICE: Rates, terms and conditions are subject to change without notice.
Early withdrawal penalty may apply. |
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Notice Rates, terms and conditions are subject to change without notice
| Loan Rates |
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APR |
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| Description |
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AS LOW AS** |
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| New Auto |
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5.40%** |
Apply Now |
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| Used Autos ( 2020 and newer ) |
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6.40%** |
Apply Now |
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| Motorcycles & Campers |
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Call for current rate |
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| Signature Loan |
9.00%** |
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| Shared Secure Loan |
2.00% over secured dividend rate** |
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| Community Spirit Credit Card |
9.90%** |
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| **ACTUAL RATE BASED ON CREDIT HISTORY |
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| NOTICE: Rates, terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual credit worthiness. |
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