Spirit of Alaska Federal Credit Union has three branches in Alaska and more than 5,000 shared branches nationwide through the CO-OP network. Its small business offerings include business savings and checking accounts, lending, credit cards, notary services, and direct deposits. It has an A+ rating from the Better Business Bureau and a mix of positive and negative reviews online.
Spirit of Alaska Federal Credit Union membership is open to any person who lives, works, or worships within the Fairbanks North Star Borough; employees and students of public, private, and parochial schools, high schools, and institutions of higher learning north of the Alaska Range; or anyone who meets their other eligibility requirements.
Spirit of Alaska Federal Credit Union Business Checking Rates & Fees
|Monthly Fee||$10 per month, waived if the balance requirement is met and if the account activity fee is less than $5|
|Minimum Balance Requirement||$1,000 daily balance|
|Transaction Fee||20 cents per debit|
20 cents per deposit transaction
5 cents per deposit item
|Wire Transfer Fee||Incoming: $10|
|Cash Deposit Fee||Information not available|
|Overdraft Fee||$30 per item|
$3 continuous negative balance fee (charged each day the account is negative)
|ATM Fee||No fee when you use network ATMs|
Spirit of Alaska Federal Credit Union Network
Spirit of Alaska Federal Credit Union has three branches in Alaska: Gillam, Geist, and Johansen. It is also part of the CO-OP network, which provides its members access to more than 5,000 shared ATMs nationwide. You can use its branch locator to check which location is closest to you.
Spirit of Alaska Federal Credit Union Additional Business Banking Services
Spirit of Alaska Federal Credit Union also offers the following business services: lines of credit, business loans, Small Business Administration funding, commercial real estate financing, and credit cards. Although it offers personal savings and money market accounts, it currently does not have business savings and money market account offerings. Find out more about its small business offerings on its website.
|Online & Mobile Banking||✓|
|Business Line of Credit||✓|
|Business Credit Cards||✓|
|Commercial Real Estate Loans||✓|
|Money Market Accounts||x|
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