Are you eligible to join Spirit Financial Credit Union? YES!

You can join Spirit Financial Credit Union today and enjoy the many benefits of credit union membership.

At Spirit Financial, we exist to serve our members and promote financial well-being.

We provide products and services to help you achieve personal financial growth throughout all stages of life, from your first savings or checking account to auto, personal and home loans, as well as retirement savings plans. We also offer the latest online and mobile banking technology to provide the on-the-go convenience you need for your busy lifestyle.

You Can Join

If you live, work, worship or attend school in Bucks, County, you are eligible for membership in Spirit Financial Credit Union. You are also eligible if you are a family member of an existing credit union member or were employed with our original sponsor group, U.S. Steel. Joining is easy and can be done online at or in person at our branch at 8535 New Falls Road, Levittown, PA 19054. 

Spirit Financial Credit Union has a long history of serving the community.

Spirit Financial was established in 1953 as Fairless Employees Credit Union, with the primary goal of helping employees of U.S. Steel.

In 1980, the credit union became known as Fairless Credit Union, reflecting our expanded legacy of serving the financial needs of other local employee.

In 2005, our charter expanded again to include members of the Bucks County community and in 2016, we became Spirit Financial Credit Union.

Our name reflects our vision of helping the diverse community achieve their financial goals.

Credit Unions are Member-Owned, Not-For-Profit Financial Institutions

Spirit Financial Credit Union operates for the benefit of our members, not a select group of stockholders. Profits made by Spirit Financial are returned to our members in the form of reduced fees, higher savings rates and lower loan rates. As a member, you will enjoy higher rates on savings, certificates and money market accounts, as well as our convenient club savings accounts. You will also benefit from low-rate loans for any need, from auto and motorcycle loans to mortgage, home equity and mortgage refi loans. We also offer competitive credit card rates with a low-interest balance transfer promotion and all of the conveniences and safety features of online and mobile banking. Ready to join? Stop by or visit us online.

It is our goal each and every day to make a difference in the lives of the people we serve. Learn more at