Free Bill Pay

Free Bill Pay

Simplify your life - switch to free online bill pay at Community Spirit Credit Union!

Low Auto Loan Rates!

Low Auto Loan Rates!

2.9% A.P.R. on models 2008 and newer up to 60 months for members with a 640 & higher score

Skip a Pay

Skip a Pay

Have a month where your monthly bills really stretch your wallet?

Mortgages from Your Credit Union

Mortgages from Your Credit Union

Looking for a mortgage loan? You have found the right place!

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Community Spirit Credit Cards

Community Spirit Credit cards are now offered.  If you are an existing credit card holder follow the link to pay your bill or look at your recent credit card activity.


Lost or Stolen Visa Check Cards
If your Visa Check Card is lost or stolen call 1-800-221-9647



New Hours

Please note: Beginning January 1, 2013 Community Spirit Credit Union will be changing its operating hours on Thursday & Friday to 8:30 to 5:00.


If you have any questions or concerns that arise after business hours, you can leave a voice mail message at 537-0928 or send an e-mail. We will respond the next business morning. The email addresses are:



For your convenience after business hours you can access your account by:


Perfect Teller - Home Banking system – This system can be accessed via computer or mobile phone. You can view your account balances, transfer funds between accounts, and also make your loan payments at the Credit Union. If you are signed up for home banking, you can also use the Credit Union’s FREE Bill Pay service – no more check writing – no stamps – no trips to the post office. It’s quick and easy to get signed up for home banking – just give us a call – 537-0928.


ATM/DEBIT card – use your card to pay for purchases anywhere that takes Visa – you can also use your card to get cash from an ATM. There is an ATM on the front of our building & you can also use any ATM within the Alliance One network – surcharge free. There is an ATM locator on the home page of our website. You can also get cash back from most merchants when you use your debit card.


NIGHT DEPOSIT BOX – If you have a deposit or loan payment you can deposit it in the night deposit box – located next to the ATM. Night deposits are posted first thing the next business day.


Emily Everett,CEO

Planning on a Vacation or Weekend Getaway?

If you plan on taking your Community Spirit Credit Union debit card, don’t forget to notify the Credit Union of your destinations. For your security, your purchases may not be approved when travelling. Contact us before you head out the door, and enjoy your trip.

Community Spirit Credit Union


"Where people are worth more than money"

The credit union was founded in 1937 for the employees of Joseph E. Seagram & Sons in Lawrenceburg, Indiana and their families. The purpose of the credit union was to provide an affordable source of borrowing and to promote thrift among its members.

Currently the credit union serves anyone working or residing in Dearborn, Ohio, Ripley, and Switzerland counties.


Mission Statement

The mission of the Community Spirit Credit Union as a non-profit organization, is to provide its members with reasonably priced financial services in an attempt to improve the quality of their lives.



This credit union is federally insured
by the National Credit Union Administration.
Equal Housing Lender

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