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iAdvertiser Disclosure
Advertiser Disclosure
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 Spojnia Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
Spojnia Credit Union's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Spojnia Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.48%. Rates were last updated on 04/19/2026. Spojnia Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Spojnia Credit Union? Share your experience about Spojnia Credit Union by leaving a review below, or read customer reviews before you decide to use Spojnia Credit Union. Spojnia Credit Union
Spojnia Credit Union 1006 Pittston Ave
https://www.spojniacreditunion.org Scranton, PA 18505 
Spojnia Credit Union Savings Rates
Spojnia Credit Union Checking Rates
Spojnia Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Spojnia Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Spojnia Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Spojnia Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Spojnia Credit Union
Address
1006 Pittston Ave,
Scranton, PA 18505
Phone
570-344-1513
Fax
570-961-5961
President
Jan Cwikla
CEO
MARCELLA MILLER
Full-Time Employees
2
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.48%
Return on Assets (ROA)
-2.4479%
Return on Equity (ROE)
-15.0136%
Non-Performing Loans Ratio (NPL)
4.11%
Total Assets
12,994,922
Total Amount of Shares and Deposits
10,886,001
Total Shares and Deposits < 1 Year
10,041,230
Total Shares and Deposits 1 3 Years
737,357
Total Shares and Deposits > 3 Years
107,414
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,499,605
Total Uninsured Shares and Deposits > $250K (F+J)
1,499,605
Total Insured Shares and Deposits > $250K (item 17 less item K)
9,386,396
Total Interest Expense (Sum of items 6 8)
158,960
Share Certificates
295
Number of Accounts for Share Drafts
149
Number of Accounts for Regular Shares
923
Net Income (unless the amount is already included in Undivided Earnings)
-324,137
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,054,471
Total Liabilities
10,884,797
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Spojnia Credit UnionIs Spojnia Credit Union a safe place to deposit money?Yes, Spojnia Credit Union is considered a safe financial institution. With a Texas Ratio of 12.482466391163%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Spojnia Credit Union operate?Spojnia Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Spojnia Credit Union?Yes, to access services at Spojnia Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Spojnia Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Spojnia Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Spojnia Credit Union offer online and mobile banking?Most modern institutions like Spojnia Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.spojniacreditunion.org. Current Spojnia Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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