Spirit Financial Credit Union and Credit Union 1: A Stronger Future Together
We are pleased to share that on October 10, 2025, Spirit Financial Credit Union received regulatory approval from the National Credit Union Administration (NCUA) to merge with Credit Union 1 (CU1).
Now, let's dive into why this partnership with Credit Union 1 is a positive step forward, and how it builds on what we already do best.
Why Partner with Credit Union 1?
For over seven decades, Spirit Financial has been your trusted partner in Levittown, delivering reliable financial services tailored to our community. As the world of banking shifts with new technology, regulations, and member expectations, teaming up with Credit Union 1 lets us step up our game. This partnership brings added strength and fresh ideas, all while holding onto our local roots and the personal touch that defines us.
Think of it this way: by joining forces, we gain access to more tools and expertise to serve you better, without losing the essence of what makes Spirit Financial special. Credit Union 1 shares our member-first mindset and has pledged to keep our entire staff on board, ensuring the faces you know and trust remain right here in the branch.
What This Means for You: Key Advantages
This isn't about starting over; it's about enhancing what works. Here's how the merger boosts your experience:
Expanded Options at Your Fingertips: Enjoy a wider range of products, like competitive high-yield accounts, business lending solutions, and advanced online and mobile banking, all designed to help your money work harder.
Seamless In-Branch Continuity: Your visits to our branch stay just as straightforward and friendly. Walk in, see the same team, and get the hands-on help you've always received.
Broader Network Access: Tap into thousands of shared branches nationwide and a massive surcharge-free ATM network, making banking easier on the go.
Tech and Support Upgrades: Round-the-clock assistance, including innovative tools like an AI helper (off hours), plus educational resources to boost your financial know-how.
Community Focus Amplified: Together, we'll double down on local giving, supporting the causes that matter most to our neighbors.
For even more details on these perks, check out Credit Union 1's dedicated page on our partnership: Credit Union 1's Spirit Financial Merger Info.
Time to Vote: Your Voice Matters
Our member-elected Board strongly endorses this merger as the best path for long-term success. A Special Meeting of the Spirit Financial Membership will be held on December 22, 2025, at 6:00 p.m. in our Main Office Lobby at 8535 New Falls Road, Levittown, PA 19054. All members are encouraged to attend, participate, and share thoughts.
Vote in one of these ways:
Download and submit a paper ballot: Get Your Ballot Here.
Cast your vote in person at the meeting.
Merger FAQs: Addressing Your Questions
We've gathered the most common concerns to provide clear, straightforward answers. If something's not covered, reach out—we're here to chat.
Why is this merger happening? Our Board believes partnering with Credit Union 1 will future-proof our services, offering greater stability amid evolving banking trends. It's a union of two aligned organizations focused on member and employee well-being.
Will my in-branch visits change? Not at all. You'll continue enjoying the same attentive service from our familiar staff. Credit Union 1 values our team's expertise and has committed to retaining everyone, so your branch interactions remain personal and unchanged.
What about branch locations and hours? No plans to close or alter our Levittown branch. It stays open with the same schedule, ensuring easy access for all your needs.
How will my accounts be affected? Everything stays the same for now, no shifts in account numbers, rates, or access until after the merger finalizes in mid-2026. We'll notify you well in advance of any updates, and your funds remain fully insured by the NCUA.
What new services can I expect? Post-merger, you'll gain extras like enhanced online banking, competitive high-yield accounts, business tools, advanced credit card choices, and more. These add value without disrupting your current setup.
When will everything wrap up? The targeted merger completion date is the second quarter of 2026. We will provide timely updates in the coming months, so please watch your email and visit spiritfinancialcu.org for the latest information.
Got Questions? Let's Talk
We're all ears. Text or call our team at (267) 580-0230, or email memberservice@spiritfinancialcu.org. Your feedback helps us make this transition smooth. You can also submit a question or request a callback from a Credit Union 1 representative by clicking here.
Thank you for being part of the Spirit Financial family. We're excited about what this partnership holds for our shared future!