The answers you need are just text messages away!

Spirit Financial members can now enjoy the convenience of quickly and securely texting us about their finances. Simply text your questions or concerns to 267-580-0230 and a Spirit Financial Credit Union representative will get back to you during credit union business hours.

Tip: Add 267-580-0230 as Spirit Text Messaging to your contact list.

Message and data rates may apply. Reply STOP to cancel at any time. See our Terms of Service and Privacy Policy below for more information.

Have a question after hours?

Text any of the following Keywords to 267-580-0230 for 24/7 follow up:

  • Apply - Want to apply for a loan? Get a link to our online loan app and apply in minutes.

  • Auto - Learn more about the benefits of Spirit Financial auto loans and refinancing, view rates, and apply online.

  • CarShop365 - Use our online car shopping tool to search for your next vehicle from the comfort of home.

  • Credit - Learn more about the VISA credit card benefits at Spirit Financial including our low balance transfer rate and apply online.

  • Controls - Use our Card Controls feature to turn your card on and off quickly and guard against fraud.

  • Home - Learn more about the variety of mortgage loan options at Spirit Financial and apply online.

  • Checking - No fees, no minimum balance requirements, no gimmicks. Learn more about our checking account and open one online.

  • PIN - Learn how to reset the PIN number associated with your debit card.

  • Hours - View branch hours of operation.

  • Equity - Tap into your home equity for less. Learn more about our fixed rate home equity loans, view rates, and apply online.

  • HELOC - Learn more about HELOC features, benefits, and rates. Plus, easily apply online.

  • Guide - Receive a link to download our free home buyer’s guide. We wanted to take the stress out of buying a home.

  • Contact - Learn about options for getting in touch with a credit union representative.

  • FICO - Learn how to view your quarterly updated FICO credit score for free today.

  • Rates - View current loan rates at Spirit Financial Credit Union.

  • Deposit Rates - View current savings rates at Spirit Financial Credit Union.

  • Refinance - Learn more about two great mortgage refinance options at Spirit Financial, view rates, and apply online.

  • Routing - Our routing number is 231382458, but we can text it to you as well.

  • Referral - Refer friends and family to earn cash.

  • Member - Learn more about how to become a member of Spirit Financial Credit Union and apply online.

  • Deposit - Learn how to deposit checks via the Spirit Financial mobile app on your smartphone.

  • Fees - View the Spirit Financial Fee Schedule.

Terms of Service and Privacy Policy

By texting “Yes” and opting-in to Spirit Financial Secure Text Messaging, you agree to the following terms and conditions:

a. You consent to receive text messages containing special offers or referencing products we think might be useful to you. These text messages will be delivered to you using an automated dialing system. You agree to receive these messages at the number of the phone that you used to opt-in, which you own or are authorized to provide. Your consent to receive these automated text messages is not a condition of receiving any Spirit Financial product or service. You may revoke your consent at any time.

b. To revoke your consent at any time text “STOP”. For help or further information text “HELP”.

c. You will not receive more than ten (10) text messages from Spirit Financial per month.

d. Spirit Financial charges no fee for this text service, but your cellular carrier’s message and data rates may apply. Participating carriers include AT&T, Verizon, T-Mobile, and Sprint.

e. Spirit Financial makes no warranty regarding availability or reliability of this service, and Sprit Financial shall have no liability related to any delay or failure in the delivery or receipt of messages from Spirit Financial Secure Text Messaging.

f. Spirit Financial may change these terms and conditions at any time. Updated terms and conditions shall be effective when posted to Spirit Financial’s website. You agree to review the terms and conditions regularly to ensure you are aware of any changes. Your continued use of this service after the terms and conditions have been changed shall constitute your acceptance of the new terms and conditions.

g. Spirit Financial may cancel your subscription to this text messaging service at any time without notice to you.

h. Depending on your relationship with Spirit Financial, the terms of other agreements may apply to your use of Spirit Financial Secure Text Messaging. At a minimum, use of Spirit Financial Secure Text Messaging by Spirit Financial members shall be subject to the terms of the Spirit Financial Membership and Account Agreement.

i. Spirit Financial values your privacy. Please click here to see Spirit Financial’s Privacy Policy.