American Spirit Dover DE Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to American Spirit at 58 Carver Rd, Dover, DE 19904, your trusted partner in achieving financial well-being. Established in 1963, our credit union has grown into a vital part of the community, proudly serving over 12,000 members with a commitment to personal service and community support. With total assets reaching an impressive $74,215,211 and total deposits of $957,054, we are well-equipped to meet your banking needs. At American Spirit, we believe in building strong relationships with our members. Under the leadership of our CEO, Maurice Dawkins, and Board President, Melvin Phillips, we strive to create an environment where every member feels valued and understood. Our dedicated team of 15 employees is here to assist you with everything from checking and savings accounts to auto loans and personal financing. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address at 58 Carver Rd, Dover, DE 19904. We invite you to explore the range of services we offer including online banking and business loans tailored for local entrepreneurs. Join us as we continue to make a positive impact in Dover and beyond. If you have questions or need assistance, don't hesitate to reach out at 800-426-1175. Experience the difference that personalized financial services can make visit us today!

Branch History & Mission

Our Mission

Our mission is simple yet profound: to provide personalized financial services while uplifting our community. At American Spirit, we believe that everyone deserves access to financial resources that empower them to achieve their goals. Whether it's through personal banking services like checking and savings accounts, auto loans, or mortgage refinancing, we are dedicated to helping our members build brighter futures. We also take pride in supporting local initiatives and partnerships that strengthen our community ties. By participating in various outreach programs and events, we aim to make a positive impact on those around us. While members can visit us at 58 Carver Rd, official correspondence should be sent to 58 Carver Rd, Dover, DE 19904 if you need assistance via mail. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9:00 AM to 4:30 PM, Fridays until 6:00 PM, and Saturdays from 9:00 AM to 12:00 PM. We also offer drive-thru services for quick transactions. As part of our commitment to accessibility and innovation, we provide online and mobile banking solutions. This allows members to manage their finances anytime and anywhere easily. While we currently do not have ATM availability at this branch, we do offer shared service center options for added convenience. At American Spirit, we invite you to join us on this journey toward financial well-being. Experience the benefits of membership where you're not just a number but part of a family dedicated to your success. Call us today at 800-426-1175 or visit our website at American Spirit to learn more about how you can become a member and start making strides toward your financial goals!

Branch Location & Accessibility

Convenient Access and Amenities

At American Spirit, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and parking spaces to ensure everyone can visit us with ease. If you're looking for quick service, take advantage of our drive-thru banking option available on weekdays and Saturdays. You can handle deposits, withdrawals, and simple transactions without leaving your vehicle!

More Than Just Banking

While you can reach us at our physical address for all your banking services, please note that any official correspondence should be sent to the same address as above. We offer a range of services including personal banking accounts, auto loans, mortgages, and business banking solutions all designed with you in mind. If you have any questions or need assistance, don't hesitate to call us at 800-426-1175. We're excited to meet you and help you achieve your financial goals! Come visit us today at American Spirit in Dover!

Operating Hours

We understand that life can get busy, so we've designed our operating hours to accommodate your schedule. Visit us Monday through Thursday from 9:00 AM to 4:30 PM, Fridays from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 12:00 PM. On Wednesdays, we open a bit later at 10:00 AM. Feel free to drop by during these times; our friendly staff is ready to assist you with all your banking needs.

Member Eligibility

Becoming a member of American Spirit is like joining a friendly neighborhood where everyone looks out for each other. If you're looking to enjoy the benefits of community banking, you'll be pleased to know that eligibility is open to anyone who lives, works, worships, or attends school in our area. This means you can easily become part of our supportive family if you meet these simple criteria. The perks of membership at American Spirit include access to personalized financial services and competitive rates that help you achieve your goals. Ready to get started? Opening an account is a breeze! You can find all the details you need by visiting us online at https://www.americanspirit.org/membership/. If you have any questions or need assistance, feel free to give us a call at (800) 426-1175. We're excited to welcome you into our community at American Spirit, located at 58 Carver Rd Dover De 19904!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $26 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $164 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,555,191, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

But it doesn't stop at loans! Our merchant services simplify payment processing, making it easier for you to focus on what matters most growing your business. Imagine being able to accept payments quickly and securely, whether it's in-store or online. This allows you to serve your customers better while enhancing cash flow. Come visit us at 58 Carver Rd Dover De 19904 in Dover, DE, and discover how we can partner with you on this exciting journey. For more information, give us a call at (800) 426-1175!

Comprehensive List Of Services

Additional Services

We also offer basic drive-thru banking for quick transactions like deposits and withdrawals, along with basic shared branch transactions for members of partner credit unions. This means you can conduct important banking tasks without hassle! Whether you're stopping by for a chat or using our online tools, we're here to support you every step of the way. Have questions? Feel free to reach out at (800) 426-1175, or visit us at American Spirit today! For more information about membership options or opening an account, check out our website at https://www.americanspirit.org/. Your financial journey starts here!

Business Banking

For our business members, we provide essential services such as merchant services and business loans. We know how vital it is for local businesses to thrive, and our offerings are designed with that in mind.

Credit Solutions

Don't forget about our credit cards with rewards! These cards not only allow you to make purchases conveniently but also earn rewards that can add value back into your lifestyle.

Digital Banking Convenience

Managing your finances has never been easier with our robust online and mobile banking platforms. From checking balances to transferring funds or paying bills from the comfort of your home or on-the-go, we ensure that banking fits into your busy life seamlessly.

Home Financing

Thinking about purchasing a home? Our mortgage loans and refinancing options provide flexible solutions tailored to fit your budget. We strive to make the home-buying process as straightforward as possible, guiding you every step of the way.

Loans and Debt Management

In addition to auto and mortgage loans, we offer personal loans and debt consolidation services. Whether you're planning a big purchase or looking to streamline your existing debts into one manageable payment, we're here to assist you in making sound financial decisions.

Personal Banking

Our personal banking services start with checking and savings accounts designed to help you manage your everyday finances effectively. Imagine having easy access to your funds while earning interest on your savings this is exactly what we offer. If you're in the market for a vehicle, our auto loans and vehicle financing can make your dream car a reality without breaking the bank.

Digital & Online Banking

Mobile Application and Payments

For those who love using their smartphones, our mobile application is here to help. You can easily download it and manage your banking needs right from your device. While mobile payments are not currently available, you can still enjoy person-to-person transfers with ease. Sending money to friends or family has never been easier!

Online Banking Services

With our 24/7 online banking services available at https://www.americanspirit.org/, you can check balances, pay bills, and transfer funds with just a few clicks. Our user-friendly platform makes it simple for you to keep track of your finances in real-time. Plus, if you prefer paperless options, we offer e-statements, allowing you to access your account statements quickly and securely without clutter.

Security Features

Your security is our priority. We use advanced technology to protect your personal information and financial transactions. Although we do not offer electronic signature authorization yet, rest assured that our systems are built with safety measures to ensure that your data remains secure. At American Spirit, we believe that banking should be straightforward and accessible. Explore all our digital offerings today and take control of your finances with confidence! If you have any questions or need assistance, feel free to reach out at (800) 426-1175. Your financial journey is important to us!

Financial Strength

Committed Team Ready to Serve You

We take pride in having 11 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is here to assist you with any questions or concerns you may have about your finances.

Comprehensive Lending Support

Our lending capacity supports members' financial goals across various sectors with $184 in used auto loans and $29,438,540 in total loans and leases. Whether you're looking to purchase a vehicle or need financing for other personal projects, we've got you covered.

Growing Member Base

Total Share and Deposit Accounts: 17,145, showing a strong and growing member base that trusts us with their finances. This growth reflects the confidence our community has placed in American Spirit, reinforcing our dedication to serving you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, American Spirit is your trusted partner. Visit us at 58 Carver Rd Dover De 19904 or call (800) 426-1175 to learn more about how we can help you achieve your financial goals.

Member-Centric Focus

Unlike traditional banks, we prioritize our members. With non-member deposits at $7,252,506, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. We believe in putting our members first and building a relationship based on trust.

Operational Efficiency

Our $117,534 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This success allows us to reinvest further into our services so we can serve you even better.

Reinvesting in Your Future

With $11,620,933 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment allows us to adapt to the changing needs of our community while maintaining the quality service you deserve.

Secure Savings Options

Members' savings are secured through $1,695,796 in share certificates and $8,019,426 in money market shares, offering stable and rewarding financial growth opportunities. This means that your hard-earned money is not only safe but also working for you.

Solid Financial Health

With a net worth of $13,072,190, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,758 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $2,985,344 in used vehicle loans and $1,398,472 in new vehicle loans to help our members get on the road with confidence. Whether you're considering a brand-new model or a reliable used option, we are here to support your journey.

Business Financing

For business owners looking to expand or invest in growth opportunities, our outstanding commercial loans totaling $5,555,191 provide the capital needed to grow and succeed. We understand the unique challenges businesses face and are committed to supporting our local entrepreneurs. At American Spirit, we also offer refinancing options for existing loans and various eligibility options tailored to meet individual needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're ready to start your loan application or just want more information about our services such as personal banking and online banking options available through our website, we're here for you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,994,162, make buying or refinancing simple. We provide guidance throughout the process to ensure that you find the right financing for your needs.

Unsecured Credit Card Loans

Managing daily expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $2,312,210 in loans helping members manage their finances effectively. This can provide peace of mind knowing you have access to funds when needed.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you can trust that the offers you see are fair and transparent. One of the key benefits of using LendMesh is the Verified Data feature. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh operates without Sponsored Listings; it does not prioritize lenders based on paid promotions. Instead, it focuses on delivering unbiased results to help you make informed decisions. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions. This capability allows individuals to compare their options quickly and effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking to save money on your next loan, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

American Spirit