American Spirit

newark, Delaware
Last verified: July 15, 2026

As of July 15, 2026, American Spirit offers a ira_cd_12mo mortgage at 2.71% APR (2.7% rate, 0 points). Auto loans available from 3.99% APR. HELOC rates from 6.5% APR. Personal loan rates from 10.65% APR.

Source: RateAPI.dev, verified from American Spirit's official website

Mortgage Rates

Rates as of July 15, 2026

ira_cd_12mo
2.710% APR
Rate2.700%
Points0
1-Year IRA Certificate
ira_cd_12mo
2.710% APR
Rate2.700%
Points0
IRA Certificate 1-Year
ira_cd_24mo
2.760% APR
Rate2.750%
Points0
2-Year IRA Certificate
ira_cd_24mo
2.760% APR
Rate2.750%
Points0
IRA Certificate 2-Year
ira_cd_36mo
2.860% APR
Rate2.850%
Points0
3-Year IRA Certificate
ira_cd_48mo
2.860% APR
Rate2.850%
Points0
4-Year IRA Certificate
ira_cd_36mo
2.860% APR
Rate2.850%
Points0
IRA Certificate 3-Year
ira_cd_48mo
2.860% APR
Rate2.850%
Points0
IRA Certificate 4-Year
share_certificate_24mo
2.860% APR
Rate2.850%
Points0
Share Certificate (24-Month)
ira_cd_60mo
3.010% APR
Rate3.000%
Points0
5-Year IRA Certificate
ira_cd_60mo
3.010% APR
Rate3.000%
Points0
IRA Certificate 5-Year
share_certificate_12mo
3.010% APR
Rate3.000%
Points0
Share Certificate (12-Month)
share_certificate_36mo
3.060% APR
Rate3.050%
Points0
Share Certificate (36-Month)
share_certificate_48mo
3.110% APR
Rate3.100%
Points0
Share Certificate (48-Month)

Auto Loan Rates

Rates as of July 15, 2026

auto_any
3.990% APR
Rate3.990%
Auto – New and Used
auto
3.990% APR
Rate3.990%
Boats
auto
3.990% APR
Rate3.990%
Motorcycles
auto
3.990% APR
Rate3.990%
RVs
auto
18.000% APR
Rate18.000%
Title Loans

HELOC Rates

Rates as of July 15, 2026

heloc_fixed
6.500% APR
Rate6.500%
Fixed Rate Home Equity (2nd Lien) Loans
heloc_variable
7.000% APR
Rate7.000%
Home Equity Line of Credit Loans

Personal Loan Rates

Rates as of July 15, 2026

personal_unsecured
10.650% APR
Rate10.650%
Unsecured Loans

Frequently Asked Questions

What rates does American Spirit offer?

American Spirit currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 15, 2026 directly from the credit union's official website.

How often are American Spirit rates updated?

RateAPI verifies American Spirit's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 15, 2026.

Where does RateAPI get American Spirit's rate data?

Rate data is collected directly from American Spirit's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is American Spirit's mortgage rate?

As of July 15, 2026, American Spirit offers a ira_cd_12mo mortgage at 2.71% APR.

What is American Spirit's auto loan rate?

As of July 15, 2026, American Spirit offers auto loans from 3.99% APR.

Related Rate Data

Compare American Spirit's rates against national credit-union benchmarks.

More Delaware credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for American Spirit
curl "https://api.rateapi.dev/credit-unions/delaware/american-spirit" \
  -H "Authorization: Bearer YOUR_API_KEY"
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