Spirit Of America Lithia Springs GA Credit Union

Introduction

Welcome to Spirit Of America, your trusted partner in financial growth located at 375 Riverside Pkwy, Lithia Springs, GA 30122. Since our establishment in 1943, we have dedicated ourselves to serving the community with integrity and a personal touch. With a total membership of 3,744 members, we pride ourselves on fostering strong relationships and helping our members achieve their financial goals. At Spirit Of America, we understand that every dollar counts. That's why we have built a solid foundation with total assets amounting to $52,197,909 and total deposits of $47,168. Our commitment to you is reflected in our responsible lending practices, with a total of 1,286 loans and leases currently being managed. Your trust is vital to us, and we work hard every day to ensure it is well-placed. Our leadership team, headed by CEO Cheryl Wiemer and Board President Randall Hansen, brings years of experience and a vision for community-focused banking. Together, they lead a dedicated staff of 11 employees, ensuring that each interaction at Spirit Of America feels like family. While our branch is ready to serve you at the address above, if you need to reach out via mail for any official correspondence, please send it to: 375 Riverside Pkwy, Lithia Springs, GA 30122-3891. Whether you're looking for loans or savings options, we invite you to explore our services further by visiting our website at Spirit Of America. If you have any questions or need assistance, don't hesitate to call us at 888-781-2446. We're here for you!

Branch History & Mission

At Spirit Of America, our journey began in 1943, rooted in a strong commitment to serving the financial needs of our community in Lithia Springs, GA. Over the decades, we have grown into a trusted financial partner for over 3,744 members, providing services that enhance their lives and support their dreams. Our branch, located at 375 Riverside Pkwy, has become a staple in the community, helping families and individuals navigate their financial paths with confidence. Our mission is simple yet profound: to empower our members by offering accessible financial services while fostering a spirit of community support. We believe that every member deserves a chance to thrive, which is why we focus on personalized service and innovative solutions tailored to individual needs. Whether it's through lending options or savings programs, our goal is to help you achieve your financial aspirations. As we look back at our history, we celebrate key milestones that reflect our growth and commitment. With total assets reaching $52,197,909, we are proud of the stability and trust we have built over the years. Our dedicated team of 11 employees works tirelessly to ensure that every member feels valued and supported in their financial journey. While members can visit us at 375 Riverside Pkwy Lithia Springs Ga 30122, official correspondence should be sent to 375 Riverside Pkwy, Lithia Springs, GA 30122-3891. We encourage you to take advantage of our services during operating hours that cater to your needs. Although we currently do not offer ATM services or drive-thru banking, our commitment to accessibility remains strong through online banking options available at Spirit Of America. We actively engage with the community through outreach programs and partnerships aimed at making a positive impact in Lithia Springs and beyond. Our efforts are focused not just on financial growth but also on building lasting relationships within the neighborhoods we serve. Join us at Spirit Of America and experience firsthand the difference a credit union can make in your life. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Spirit Of America, we prioritize accessibility for all members. Our branch is designed with ADA compliance in mind, featuring ramps and spacious parking to ensure a smooth visit. If you have any specific needs during your visit, feel free to let our friendly staff know how we can assist you.

Operating Hours & Services

We aim to make your banking experience as convenient as possible. Although our operating hours are currently not specified, our team is always ready to help during regular business hours. You can reach us directly at 888-781-2446 for any inquiries or assistance you may need. While we currently do not offer ATM services or drive-thru banking at this location, we provide essential banking services tailored to meet your needs.

Visit Us Today!

We invite you to come and experience the welcoming atmosphere of Spirit Of America. Whether you're looking for assistance with loans, savings accounts, or simply want to learn more about what we offer, our knowledgeable team is eager to help. Stop by today or give us a call we look forward to seeing you soon!

Member Eligibility

Becoming a member of Spirit Of America is like joining a caring family that supports your financial journey. If you live, work, or worship in the Lithia Springs area, you're already on the right track to membership! We welcome individuals from all walks of life, making it easy for you to join our community and enjoy the benefits that come with it. At Spirit Of America, you'll find personalized services tailored to your needs, whether you're looking for loans, savings options, or financial advice. To learn more about the specific eligibility criteria and how to get started, feel free to check out our detailed guidelines. Opening an account is simple; just give us a call at (888) 781-2446 or visit us at our branch located at 375 Riverside Pkwy Lithia Springs Ga 30122. We can't wait to welcome you into our family!

Business Banking & Commercial Services

At Spirit Of America, we understand that every business has unique needs and dreams. Whether you're looking to expand your operations or invest in new equipment, our business banking and commercial services are designed to help you thrive. Imagine a local bakery that wants to upgrade its ovens to meet growing demand. With the right financing, they can turn that dream into reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer merchant services that simplify payment processing. Picture a small retail shop effortlessly accepting payments through various channels, enhancing customer satisfaction while keeping transactions secure. At Spirit Of America, we're here to empower your business every step of the way. Visit us at 375 Riverside Pkwy Lithia Springs Ga 30122 in Lithia Springs, GA or call us at (888) 781-2446 to learn more about how we can support your journey.

Comprehensive List Of Services

Banking Services Designed for You

As a member of Spirit Of America, you can take advantage of our ATM Services Only. This means that whenever you need to access your funds, you can easily find an ATM that meets your needs without the hassle of long lines or complicated procedures. Imagine being able to withdraw cash or check your account balance anytime you want whether you're out shopping or grabbing lunch. In addition to ATM access, we are committed to enhancing your banking experience through our user-friendly online banking platform. With just a few clicks, you can manage your accounts from the comfort of your home or on the go. This digital service allows you to pay bills, transfer funds, and keep track of your finances effortlessly.

Convenience at Your Fingertips

In today's fast-paced world, convenience matters more than ever. That's why we emphasize digital features that make managing your finances easier than ever before. You can enjoy benefits such as e-statements and person-to-person payments all designed to save you time and effort while ensuring that your financial information remains secure.

Join Us Today!

If you're ready to experience the difference with Spirit Of America, visit us at our branch located at 375 Riverside Pkwy, Lithia Springs, GA 30122. We are excited to welcome new members who seek quality financial services in a supportive community atmosphere. For more information about what we offer, explore our website at spiritofamericafcu.org or give us a call today! Your financial goals are important to us, and we're here to support you every step of the way!

Member-Centric Approach

At Spirit Of America, we understand that every member's situation is unique. That's why we strive to offer personalized support through various channels, including phone assistance. If you have questions or need guidance on using our services effectively, don't hesitate to call us at 888-781-2446. Our friendly staff is here to help you navigate your banking journey.

Digital & Online Banking

Key Features

We know security is a top priority for our members. That's why our online banking services are built with robust security measures to keep your information safe. You can also enjoy the benefits of e-statements, which not only help reduce paper clutter but are also easily accessible whenever you need them. Plus, if you ever need to send money quickly to a friend or family member, our person-to-person transfer feature makes it easy to do so without any hassle. While we currently do not support electronic signature authorization or mobile payments, we are committed to providing you with the best possible banking experience. Our goal is to ensure that every member feels confident and secure while using our digital services. With Spirit Of America, enjoy the freedom of banking on your terms. Join us today and experience how easy it is to take control of your finances!

Financial Strength

At Spirit Of America, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial strength is built on solid foundations, providing you with the confidence you need as you navigate your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $5,495,936, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.53% 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 $639,887 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $3,224,278 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $4,500 in used auto loans and $19,767,011 in total loans and leases. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 8 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 6,327, 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, Spirit Of America is your trusted partner. Visit us at 375 Riverside Pkwy Lithia Springs Ga 30122 or call 888-781-2446 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,509,684 in used vehicle loans and $3,091,046 in new vehicle loans already helping members get on the road. Whether you are considering a brand-new model or a reliable used car, our team can guide you through the process and ensure you find an option that fits your budget.

Credit Lines

For those looking for flexibility in managing cash flow, our total credit lines available amount to $2,300,000. This option allows you to access funds as needed without the burden of interest until you draw from the line.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,560,620, make buying or refinancing simple. We work closely with you to understand your needs and provide tailored solutions that align with your financial situation.

Refinancing Options

If you're interested in lowering your monthly payments or adjusting your loan terms, we provide refinancing options that can help streamline your finances. Be sure to ask about eligibility during your consultation. Feel free to reach out to us at 888-781-2446 or visit us at our branch located at 375 Riverside Pkwy, Lithia Springs, GA 30122. 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're here to support you every step of the way!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $356,482 in loans helping members manage their finances effectively. This product is designed to give you the freedom to make purchases without needing collateral while providing an opportunity for responsible credit building.

Loan Aggregator

Benefits of Using LendMesh

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SPIRIT OF AMERICA FEDERAL CREDIT UNION - Lithia Springs, GA

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