AMERICAN Spirit Federal Credit Union provides a variety of financial services and products. It is a member-owned financial cooperative with headquarters in Newark, Del. The firm offers secured collateral, unsecured, vehicle, recreational vehicle, home equity, vacation and holiday and share secured loans. It also provides share and youth savings, money market, individual retirement and share certificate accounts. The firm offers various checking accounts, including freedom, standard and business. American Spirit Federal Credit Union s insurance products include deposit, auto, life and accidental death and dismemberment insurance plans. The firm additionally provides electronic services, such as audio responses, direct deposits, payroll deductions and wire transfers.