American Spirit Middletown DE Credit Union | Affordable Auto Loans & ATM Services

Introduction

Welcome to American Spirit - Middletown, your trusted partner in financial well-being located at 98 Sandhill Dr, Middletown, DE 19709. Since our establishment in 1963, we have been dedicated to serving our community and providing a safe haven for your savings and financial growth. With over 12,000 members and total assets of $74,215,211, we are proud to be a cornerstone of support in Middletown. At American Spirit, we understand that every member has unique needs. That's why we offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Whether you're looking to open a checking account or seeking financing for your next vehicle, our team is here to help. Our commitment is evident through our impressive financial standing, with total deposits reaching $957,054 and a net worth of $13,072,190. Led by our CEO Maurice Dawkins and Board President Melvin Phillips, our dedicated staff of 15 employees works tirelessly to ensure that you receive personalized service and expert advice. We believe in building relationships based on trust and transparency. While members can visit us at 98 Sandhill Dr, official correspondence should be sent to the same address as we currently do not have a different mailing address. You can reach us easily at (302) 464-4067 for any inquiries or assistance you may need. We invite you to explore our services further on our website at American Spirit. Experience the difference that comes from being part of a credit union that truly cares about its members. Come visit us today or give us a call; let's work together toward achieving your financial goals!

Branch History & Mission

Modern Services with a Personal Touch

While we honor our past, we also embrace the future. American Spirit offers modern conveniences such as online banking and mobile applications, ensuring that our members can manage their finances effortlessly from anywhere. Our drive-thru service adds an extra layer of convenience for those on the go. Additionally, we maintain compliance with ADA standards to ensure that all members feel welcome and supported when they visit us. Our shared service center further enhances accessibility for those who may need assistance with transactions. At American Spirit, we're proud of our legacy but even prouder of our future. We invite you to join us on this journey toward financial empowerment. Experience firsthand how being part of our credit union can lead to better financial health and community connection. Call us today at 302-464-4067 or visit our website at www.americanspirit.org to learn more about membership opportunities. Together, let's build a brighter future!

Our Mission

Our mission is simple yet profound: to empower individuals and families by providing affordable financial services that enhance their lives. We believe that everyone deserves access to financial tools that promote stability and growth. Whether it's through checking accounts, auto loans, or personal banking solutions, we strive to create a positive impact in our members' lives. American Spirit is more than just a financial institution; it's a community hub where relationships flourish. We are dedicated to giving back through various outreach initiatives and partnerships within Middletown. Our commitment extends beyond banking; we aim to uplift our community by supporting local events and organizations.

Branch Location & Accessibility

Comprehensive Services Just for You

At our Middletown branch, we offer a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans, mortgage options, and credit cards with rewards there's something for everyone! We also provide shared services for partner credit union members, allowing for simple transactions like deposits and withdrawals. Need assistance? Don't hesitate to reach out! You can contact us at (302) 464-4067. We invite you to come visit us soon at American Spirit - Middletown. Your financial journey is important to us, and we're here to help every step of the way!

Convenient Access and Amenities

At American Spirit, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. Parking is ample and easily accessible, so you can find a spot without any hassle. Whether you prefer to walk in or use our drive-thru service, we've got you covered. Our lobby hours are designed to fit your schedule: we're open from 9:00 AM to 4:30 PM on Monday, Tuesday, Thursday, and Friday; 10:00 AM to 4:30 PM on Wednesday; and from 9:00 AM to 12:00 PM on Saturday. If you're in a hurry, our drive-thru is available with extended hours until 6:00 PM on Fridays.

Member Eligibility

At American Spirit, we believe that everyone deserves a place in our community, and joining us is as easy as pie! If you live, work, worship, or attend school in the area around 98 Sandhill Dr Middletown De 19709, you're likely eligible to become a member. We're all about supporting each other and creating opportunities for our members to thrive. By becoming part of our family, you'll gain access to a range of financial services designed with your needs in mind. Whether you're looking for checking and savings accounts, auto loans, or even mortgage options, we've got your back! To learn more about the specific eligibility criteria, feel free to check out our detailed information at https://www.americanspirit.org/membership/. When you're ready to open an account, just visit us or follow the simple steps outlined here: https://apps-americanspirit.ns3web.com/nsloan. If you have any questions along the way, don't hesitate to give us a call at (302) 464-4067. We can't wait to welcome you into the American Spirit community!

Business Banking & Commercial Services

Loan Options that Drive Growth

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 that Simplify Payments

In addition to loans, our merchant services offer practical benefits that can streamline your payment processes. Imagine running your business while having access to reliable tools that make transactions smoother for both you and your customers. From point-of-sale systems to online payment solutions, we provide the resources you need to keep your cash flow steady and your customers satisfied. Whether you're just starting out or looking to expand, American Spirit is here to partner with you on your journey. Reach out today at (302) 464-4067 or visit us online at http://www.americanspirit.org to learn more about how we can support your business ambitions!

Comprehensive List Of Services

Business Banking

For our business members, we know how important it is to have reliable banking solutions. Our Business Banking services include Merchant Services & Business Loans, designed to help you grow and manage your business efficiently.

Convenience Services

Accessing your money should be easy! Our branch features ATM & Cash Withdrawal Services, along with basic drive-thru banking for quick deposits and withdrawals. If you're a member of a partner credit union, enjoy the benefits of Basic Shared Branch Transactions right here at American Spirit. In today's fast-paced world, convenience is key. That's why we encourage all our members to utilize our digital banking features. Whether it's through online banking or mobile apps available on smartphones, managing your finances has never been simpler. For any inquiries or assistance regarding these services, feel free to reach out at 302-464-4067. We invite you to visit us at American Spirit in Middletown or explore more about what we offer by visiting our website at www.americanspirit.org. Join us in achieving your financial goals today!

Credit Cards

To reward your spending habits, we offer Credit Cards with Rewards that allow you to earn points on your purchases. Whether it's for everyday shopping or travel expenses, our cards provide benefits that suit your lifestyle.

Loans and Financing

For those looking to finance a new vehicle or perhaps buy a home, we have you covered with our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options. Our team can guide you through the process, ensuring you find the right loan that fits your budget. If you're facing unexpected expenses or looking to consolidate debt, consider our Personal Loans & Debt Consolidation services. Picture yourself free from high-interest debts and enjoying peace of mind.

Personal Banking

Whether you're opening your first checking account or saving for a major purchase, our Personal Banking options are straightforward and member-focused. We provide various Checking & Savings Accounts that help you manage your everyday finances effectively. Imagine having easy access to your funds whenever needed, thanks to our user-friendly Online & Mobile Banking services. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go.

Digital & Online Banking

Key Features

We offer e-statements so you can view your account information electronically, making it easy to keep track of your finances without the clutter of paper statements. If you're on the go, you'll appreciate our mobile application, which allows you to manage your accounts right from your smartphone. Although we don't currently support mobile payments, our other features ensure you have everything you need for effective banking. Your security is paramount at American Spirit. While electronic signature authorization isn't offered right now, we still prioritize safe transactions throughout all our online services. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts with ease. Digital banking means real-time account management at your fingertips. So whether you're at home or out and about in Middletown, you'll always be in control of your finances with American Spirit. Enjoy the freedom and flexibility of banking on your terms!

Financial Strength

At American Spirit, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. You can trust that we are committed to maintaining a strong financial foundation that supports your needs. 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. 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. 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. 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. Our lending capacity is further demonstrated with $184 in used auto loans and $29,438,540 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $117,534, enabling us to continue offering competitive loan rates and solid financial products for our members. We also 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. The confidence you have placed in us is backed by our impressive statistics: we have a total of 17,145 accounts showing a strong and growing member base that trusts us with their finances. 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 98 Sandhill Dr Middletown De 19709 or call (302) 464-4067 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Services

For those who may need more tailored solutions, we provide refinancing options and eligibility assessments to ensure you find the right loan for your situation. It's important to us that our members feel informed and confident in their financial decisions. With our commitment to serving the community and providing high-quality financial services, we invite you to reach out for more information. You can contact us at (302) 464-4067 or visit us during our operating hours: - Lobby Hours: - Monday, Tuesday, Thursday, Friday: 9:00 AM - 4:30 PM - Wednesday: 10:00 AM - 4:30 PM - Saturday: 9:00 AM - 12:00 PM - Drive-Thru Hours: - Monday, Tuesday, Wednesday, Thursday: 9:00 AM - 4:30 PM - Friday: 9:00 AM - 6:00 PM - Saturday: 9:00 AM - 12:00 PM For more details about our loan offerings and how we can assist you further, please visit our website at https://www.americanspirit.org/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at https://www.ncua.gov, based on the latest results. We look forward to helping you navigate your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,985,344 in used vehicle loans and $1,398,472 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a reliable used one, our flexible terms can fit your budget and lifestyle.

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 strive to provide our members with competitive rates and personalized service to guide you through the process.

Unsecured Credit Cards

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. Our credit cards come with various benefits that can make everyday purchases easier while also building your credit history.

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. This tool is designed to help users quickly locate the most suitable loan options available. 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. This commitment to transparency means that all offers are based on the latest results (Source: https://www.ncua.gov), allowing users to access fair and clear loan options. One of the standout features of LendMesh is its reliance on verified data. All loan offers come from legitimate financial institutions, ensuring that users receive reliable information. Furthermore, LendMesh does not prioritize lenders based on paid promotions; this means that every comparison is unbiased and focuses solely on the best available options for consumers. With real-time rate comparisons, LendMesh provides up-to-date information from multiple institutions, empowering users to make informed decisions about their borrowing needs. This timely data can lead to significant savings. As one satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you are ready to explore your options and find competitive loan rates tailored to your financial needs, compare real-time loan offers today at LendMesh. 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