photo of the Archie Pickup Truck


Driven by Midwestern Values Since 1934

A lot has changed since our founding in 1934, and in many ways, we’ve changed right along with it. However, there’s one thing that hasn’t changed – the friendly, personal, and genuine service you’ll get at SPIRE. That isn’t quaint, or something that used to happen back in “the good old days.” It’s happening here, and it’s happening now. Please remember, SPIRE is always here for you.

We Care

The SPIRE difference is people. We care about our members so our interactions aren't transactional - we build relationships.

We also care about our team members. We celebrate our employees' unique strengths and provide enrichment opportunities.

To care is how we behave and act — that's why it's our core value.

Improve Lives

We strive to provide excellent service so you can achieve your wishes, hopes, and dreams. At SPIRE, we feel it is our duty to provide financial education to all.

We believe in empowering people to become financially successful and thrive throughout life.

Working to improve lives is banking with a purpose — that's why it's our core purpose.

Give Back

The SPIRE team is committed to being involved in the communities we serve.

We support organizations so their work and talents may improve our communities and several local charitable organizations benefit from the donations of SPIRE members and staff.

Giving back is at the core of who we are — that's why it's our core action.

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Minnesota's Best

All 300 of our employees work hard every day to provide a first-class experience for our members.

We believe SPIRE is more than a financial institution and we want to be a partner in life for you.

We strive not to be the biggest, but to be Minnesota's best — that's why it's our core vision.

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SPIRE Matches Members in Delivering Community Impact

SPIRE announced today that it has matched $27,490 in charitable gifts made by SPIRE members using the NetGiver donation platform.

Dan Stoltz Wins Cooperative Builder Award

SPIRE President/CEO, Dan Stoltz, has been named an honoree of the prestigious 2021 Cooperative Builder Award for outstanding contributions for the advancement of cooperative ideals.

SPIRE's Burleson Appointed to National Examination & Supervision Task Force

Burleson, SPIRE SVP/Chief Operating, Financial and Technology Officer, has been appointed to the Credit Union National Association Examination & Supervision Subcommittee. 

SPIRE Proud Sponsor of KS95 Clouds Choir for a Cause

For the fourth consecutive year, SPIRE partnered with KS95 on the annual Clouds Choir for a Cause, benefiting the Zach Sobiech Osteosarcoma Fund.

SPIRE Welcomes New Community Relations Director

Stephanie Johnson joins SPIRE as Community Relations Director after serving as Executive Director of the Twins Community Fund for the Minnesota Twins Baseball Club.

SPIRE Matching $25,000 in NetGiver Donations

SPIRE announced it will be matching up to $25,000 in donations made by SPIRE members who use NetGiver between Giving Tuesday, November 30, and the end of the year.

Powerful in Pink & Stronger Than Cancer

Each year, over 30,000 new cancer cases are reported in Minnesota. This is why we wear pink each October to raise money for the American Cancer Society of Minnesota.

Midland Co-op CU Votes to Merge with SPIRE

Midland Co-op Credit Union (MCCU) and SPIRE started as one credit union in 1934. On Tuesday, Midland members voted to merge back with SPIRE starting November 1. 

InSPIREation Foundation Awards $20K in Grants

The InSPIREation Foundation has awarded $20,000 to organizations that provide financial literacy education and tools to achieve financial freedom.

SPIRE Wins Seven Marketing Excellence Awards

SPIRE has received seven MAC awards from the Marketing Association of Credit Unions in categories ranging from public relations, financial education, and electronic marketing.

Central Hanna Employees CU Votes to Merge with SPIRE

With a 93.7% affirmative vote from CHECU members, a partnership/merger between SPIRE and CHECU will become effective September 1.

SPIRE Voted Minnesota's Best in Three Categories

The Star Tribune announced that SPIRE has been voted Minnesota’s Best in the credit union and wealth management categories and a bronze winner in customer service.

SPIRE Honored with Energy-Saving Lending Awards

SPIRE’s Matt Meyers and Rava Nedich were selected as 2021 PACESetters for being innovative leaders in achieving environmental, economic, and resilience impact.

SPIRE Awards $5,000 in Scholarships

With over 160 applicants, SPIRE has awarded $5,000 in scholarships to five members based on school and community involvement, as well as a pandemic-themed essay.

SPIRE Selected as Best Places to Work

We are proud to announce that SPIRE has been selected as one of Minneapolis/St. Paul Business Journal's 2021 Best Places to Work honorees.

Debbie Mickelson Retires from 33-Year CU Career

Debbie Mickelson, Division President of Electrus — Division of SPIRE Credit Union, has retired from a 33-year career in credit unions.

Tom Hirte Serves SPIRE BOD for 28 Years

Thank you, Tom Hirte, for 28 years of volunteer service on the SPIRE Board of Directors. Hirte will be recognized by MnCUN with a Credit Union Builder Award.

Diversified Credit Union Merges/Partners with SPIRE

With a 93.8% affirmative vote from Diversified Credit Union (DCU) members, a partnership/merger between SPIRE and DCU will become effective April 1, 2021.

SPIRE & NetGiver Deliver Impact to Charities

SPIRE members donated to charities using the NetGiver app during the SPIRE “Give Freely” $20,000 match campaign in December raising over $47,000!

Branch Lobbies Reopening January 6

SPIRE branch lobbies will be open starting Wednesday, January 6 for all transactions. Booking an appointment in advance is encouraged for many services.

SPIRE Announces New St. Cloud Location

SPIRE is pleased to announce the purchase of the Southeastern corner of the Crossroads Mall parking lot for its new St. Cloud branch location. 

Dan Stoltz Named Most Admired CEO

SPIRE President/CEO Dan Stoltz has been named a 2020 Most Admired CEO by Minneapolis/St. Paul Business Journal.

New SPIRE Blaine Branch Opens December 7

After 31 years in the same building, a new Blaine branch is set to open December 7, 2020 on the grounds of Northtown Mall.

Temporary Changes to Services Offered in Our Lobbies

Starting Friday, Nov. 27, we will be pausing walk-in teller transactions inside our lobbies to help protect you and our staff.

SPIRE Sponsors Peterson Field in St. Paul Midway

SPIRE has donated $3,000 to Billy Peterson Field at the Dunning Sports Complex in St. Paul’s Midway to help bring baseball to underserved youth.

SPIRE to Match $100K in Donations to Salvation Army

SPIRE President/CEO Dan Stoltz has been selected as this year’s Salvation Army Red Kettle Community Chair. SPIRE has announced a $100,000 match for digital donations.

Annual Toy Drive on Now

Donate new, unwrapped toys to your local SPIRE branch for children in need now through December 11. All toys collected will benefit local organizations.

Information Security Professional Shari Ziebell Joins SPIRE

20-year Information Security professional Shari Ziebell has joined the SPIRE team as Information Security Director.

SPIRE Receives Six National Marketing Awards

SPIRE received six MAC awards from the Marketing Association of Credit Unions (MAC) from a panel of judges in the marketing, advertising, and media industries.

A Tradition of Cancer Awareness in October

For five years, SPIRE staff have chosen to donate to the American Cancer Society and wear pink during Breast Cancer Awareness Month.

SPIRE Recognized for Adult & Youth Financial Education

SPIRE has received both the Adult and Youth Desjardins Awards recognizing outstanding financial education efforts among Minnesota credit unions.

Scholarship Winners Talk Healthy Financial Skills

After reviewing nearly 80 entries, a total of $5,000 in scholarships were awarded to five traditional and non-traditional students from SPIRE Credit Union.

Mai Yang Joins SPIRE as Senior Executive Assistant

After working for the past 19 years for the Minnesota Credit Union Network, Mai Yang joins SPIRE as Senior Executive Assistant.

Abby Patterson Promoted to Giving Coordinator

Strengthening SPIRE’s core action of giving back, Abby Patterson has been promoted to Giving Coordinator - facilitating all corporate and community giving efforts.

SPIRE Wins Six National Marketing Awards

SPIRE receives six national marketing awards from the Credit Union National Association (CUNA) including an excellence in marketing and four “category’s best” awards.

SPIRE Forms Diversity & Inclusion Council

After several months of planning, SPIRE Credit Union has announced the formation of its inaugural Diversity & Inclusion Council.

Branch Lobbies to Open June 15

We are starting to reopen our lobbies on Monday, June 15 with social distancing and cleaning procedures in place to adhere to CDC and local guidelines.

Committed to the Communities We Serve

We are deeply saddened and disturbed by the senseless death of George Floyd and all the recent events that have caused great pain to be felt across Minnesota and beyond.

‘SPIRE Gives Big’ Provides $250K of Local Impact

Each of SPIRE’s 300 employees helped select 187 Minnesota businesses and charities to receive $250,000 in donations and the impact is heartwarming.

Dan Stoltz Named to Most Admired CEO List

Dan Stoltz, President and CEO of SPIRE Credit Union, has been named a 2020 Most Admired CEO by Minneapolis/St. Paul Business Journal. 

SPIRE Hits 125,000 Member-Owner Milestone

SPIRE Credit Union recently reached 125,000 members, a monumental milestone in its 86-year history. SPIRE has more than doubled its membership in 10 years.

SPIRE Donates $250K to Help Organizations

SPIRE is leaning into our core action of giving back by providing $250,000 to over 180 local organizations & businesses affected by COVID-19.

SPIRE Ranked 17th Nationally by S&P

S&P Global Market Intelligence has raked SPIRE 17th in its annual ranking of the 50 best-performing credit unions in the U.S.

COVID-19 Hardship Assistance

As we navigate the rapidly evolving COVID-19 situation, our concern is for the safety and well-being of all individuals and businesses impacted.

SPIRE Wins National Financial Literacy Award

Presented the by Credit Union National Association (CUNA),  SPIRE has been honored with a national second place 2019 Adult Desjardins Financial Education Award.

Internet Banking Services

As a reminder, here are some of the SPIRE Internet & Mobile Banking services free of charge to our members.

SPIRE Members Win $5,000 in Scholarships

Five SPIRE Credit Union members each won a $1,000 scholarship from the Minnesota Credit Union Foundation Scholarship Council.

SPIRE Hosts 86th Annual Meeting & Member Appreciation Day

SPIRE hosted over 4,400 guests at its 86th Annual Meeting & Member Appreciation Day featuring financial education sessions, a business meeting, and inspiring performances.

32-year Retirement & Investment Professional Joe Johnston Joins SPIRE

Joe Johnston, an Accredited Asset Management Specialist and Retirement Planning Expert has joined SPIRE as its newest Retirement & Investment Services Advisor.

Justin Burleson Joins SPIRE as Chief Operating Officer

Former Supervisory Examiner for the National Credit Union Administration (NCUA) Justin Burleson has joined SPIRE as Senior Vice President, Chief Operating Officer.

SPIRE Members Donate Thousands for Local Children

SPIRE hosted its 32nd annual holiday toy drive and collected over 2,100 toys across its 20 branches that were distributed to 16 local organizations.

SPIRE Receives Marketing Awards from State Credit Union Network

SPIRE has received two Marketing Excellence Awards from the Minnesota Credit Union Network (MnCUN) for outstanding marketing and business development achievements.

Electrus Federal Credit Union Merges/Partners with SPIRE

Members of Electrus Federal Credit Union recently voted 94% in favor of a partnership/merger with SPIRE Credit Union, which became effective December 1, 2019. 

SPIRE Staff Raise $9,000 for American Cancer Society

In keeping with SPIRE’s core action of giving back, SPIRE employees have again banded together during Breast Cancer Awareness Month.

Reiling Collaborates with Co-ops in Philippines

SPIRE Director of Business Development Rachael Reiling took a trip to the Philippines and connected with leading international credit union organizations and Filipino co-ops.

SPIRE Named Best of Business

Twin Cities Business magazine subscribers voted SPIRE as "Best of Business" in the credit union category for the first time.

This is How We Roll in October

Every October, SPIRE ambassadors choose to donate to the American Cancer Society and wear pink during Breast Cancer Awareness Month.

Two High School Students Awarded SPIRE Scholarships

The SPIRE Scholarship Committee awarded scholarships to two students - Annika Olson from Woodbury High School and Linnea Kronzer from Minnetonka High School.

Energy Services Federal Credit Union in St. Cloud Merges/Partners with SPIRE

With a 90% affirmative vote from Energy Services Federal Credit Union (ESFCU) members, a partnership/merger between SPIRE and ESFCU became effective July 1, 2019.

Dan Stoltz Receives Prestigious H.E.R.B.I.E. Award

SPIRE President/CEO Dan Stoltz has been honored with the 2019 H.E.R.B.I.E. Award presented at the Saint Paul Area Chamber of Commerce’s 20th Annual Foundation Luncheon. 

SPIRE Receives Three National Awards in Marketing

SPIRE Credit Union received three MAC awards from the Marketing Association of Credit Unions (MAC) during their annual conference last week.  

SPIRE Member Brendan Weed Awarded FSC Scholarship

SPIRE is proud to announce that Brendan Weed of Eden Prairie, MN has won a $1,000 Scholarship from the Minnesota Credit Union Foundation Scholarship Council.

Bridget Petersen Receives Credit Union Builder Award

The Minnesota Credit Union Network (MNCUN) honored SPIRE Market Vice President of Community Outreach Bridget Petersen with the Credit Union Builder Award.

SPIRE Promotes Three to Executive Leadership

Due to record growth and the need to enhance service to their member-owners, SPIRE Credit Union has promoted three SPIRE employees into executive leadership positions.

SPIRE Receives Four National Marketing Awards

SPIRE Credit Union was recently honored with four national Diamond Awards at the CUNA Marketing & Business Development Council Conference.

SPIRE Celebrates 85 Years

85 years ago today, Edgar Archer’s dream to open a credit union to help people do the right thing became reality. Today, SPIRE continues to live out his dream.

Fran, Member for 80 Years Shares Her Story

80-year member, Fran Anderson, shares her story of becoming a member of the credit union in 1939 and how her family has been involved over the years.

Annual Meeting & Member Appreciation Day has Amazing Impact

The SPIRE Credit Union 85th Annual Meeting & Member Appreciation Day focused on SPIRE's impact on the community.

Dan Stoltz Featured in February's Minnesota Good Age

SPIRE President/CEO Dan Stoltz is featured in “The Art of Giving Back” in this month’s issue of MINNESOTA GOOD AGE.

SPIRE Vadnais Heights Grand Opening December 17

The Grand Opening Celebration for the SPIRE Credit Union Vadnais Heights branch will take place Monday, December 17.

Peoples Community Credit Union Merges/Partners with SPIRE

With a 95% affirmative vote from Peoples Community Credit Union (PCCU) members, a partnership/merger between SPIRE and PCCU will become effective July 1, 2017.

SPIRE Food Truck on "Discover Delicious" Reality Show

The SPIRE Food Truck debuted on Discover Delicious! This local reality TV show airs every Saturday morning on Channel 29 at 11:30 am.

SPIRE Wins 2016-17 Torch Award for Ethics

SPIRE Credit Union has been awarded the prestigious Better Business Bureau of Minnesota and North Dakota's® (BBB) 2016-17 Torch Award for Ethics!

More from SPIRE News

Our Story

Times were bad back in 1933. The Great Depression was at its height; jobs and money were scarce. Banks that had survived the crash of 1929 had little cash, and they were not lending it. To save their homes and farms, people were forced to do business with loan sharks at 36% interest.

In the historic and economic circumstances of the Great Depression, Twin City Co-ops Credit Union (TCU), was born in 1934 in response to the pricey and strict loan practices of the remaining banks. The ideals of self-help, people working together to save their money, lending to each other, and paying back their earnings to each other in the form of dividends were the pillars of the new credit union.

Edgar Archer

The idea of a credit union started with Edgar Archer. Archer was an employee of what was then called Midland Cooperative Oil Association. Before starting at Midland, Archer had been out of work for some time, resulting in a number of unpaid bills. Now that Edgar was employed, he applied for loans everywhere, but one by one, he was turned down. He wanted to “do the right thing” and pay his debts.
Edgar did not give up. He had been hearing about an employee credit union, so he thought, why not start one at the Midland?

By February 1934, enough of his fellow workers agreed with Archer, so seven of them applied for a certificate of organization, and by March 13, 1934, they incorporated. Through the foresight of the original founders, the credit union escaped the narrow confines of an employee credit union and has grown significantly because of the doors that he opened.

When TCU opened their doors, the loan maximum was set at $50 with interest at 1% monthly on the unpaid balance. Edgar Archer was the first to apply for and receive a loan.

Driven by Midwestern Values

TCU became SPIRE Credit Union in 2008 and expanded on the ideal of "doing the right thing." Since 1934, we have proudly been driven by Midwestern values. Currently, SPIRE has 21 branch locations in the Twin Cities Metro area and Greater Minnesota.

Whether you are just starting out in life, own your own business, or are close to retirement, SPIRE would like to be your total financial solution.

A Truck Named Archie

You might ask, "So what does an early-model Ford work truck have to do with a credit union?" To us, Archie – named for our founder, Edgar Archer – symbolizes the Midwestern values that drive us. Trust. Honesty. Integrity. Hard work. Compassion. Humility. Promises made and promises kept.

Archie is featured in the SPIRE testimonial commercials with real SPIRE members and partners and has become our unofficial mascot.

Hear from SPIRE Members

"Jacob and Mia were both equally amazing in delivering excellent customer service! The process of becoming a member and getting a loan could not have been easier!"
- New Member, via New Member Survey
"I've been impressed and honored to have nothing less than the best in customer service with every interaction. SPIRE must be a great place to work, as the employees are absolutely fabulous. Thank you for having an exceptional, understanding, knowledgeable, and compassionate staff."
- Maple Grove Branch Member, via Contact Center Survey
"I have always been treated kindly and with respect during my interactions at the Isle branch. Isle is top-notch with staff always willing to assist me and answer my questions politely. You have great employees and that says everything to each member that comes in the door."
- 10+ Year Member, via Isle Branch Survey
"I'm extremely likely to recommend SPIRE because of good service and great annual meetings. I would just encourage you to continue building a network for use across all of Minnesota."
- Maple Grove Branch Member, via Relationship Survey
"Every experience I have ever had with SPIRE has been positive throughout 20 years at three different branch locations. I also appreciate SPIRE's community involvement throughout the Twin Cities. I am proud to be affiliated with such a civic-minded organization."
- 10+ Year Maple Grove Branch Member, via Branch Survey
"I brought my grandson in to open an account and he was able to get his first car loan. I refer anyone who asks to SPIRE because I've been a member for over 20 years. I feel better knowing my grandson will be with SPIRE because they are ethical and fair."
- 10+ Year Coon Rapids Branch Member, via Branch Survey
"I came to SPIRE several years ago to refinance a car. It was so easy to open an account and refinance that I moved all of my finances over to SPIRE. The process was so fast and easy. I tell everybody how easy it is to do business with SPIRE."
- 3-5 Year Blaine Branch Member, via New Product Survey
"The prompt service and excellent knowledge delivered to us are why we are extremely likely to recommend SPIRE. SPIRE also offers very competitive interest rates. We recommend you all to anyone that will listen."
- Minneapolis Branch Member, via New Product Survey
"We've been with SPIRE for over 35 years and have always been very happy with the service provided. They do a great job of staying up (to date) with current technology. SPIRE's mobile banking is extremely easy to navigate."
- 10+ Year Coon Rapids Branch Member, via Digital Survey
"I have been a member since 1965. I have had zero problems with SPIRE and feel very secure with the business. The employees are always very friendly and helpful."
- 10+ Year Member, via Relationship Survey
"Amazing customer service, transactions that clear quickly, low-interest rates, and an overall amazing system. Everything is laid out nicely and is super easy to use."
- Princeton Branch Member, via Digital Survey
"Mo is so nice, genuine, and intelligent along with being extremely kind, patient, and knowledgeable. We felt confident with his recommendations. We felt like he actually cared and wanted to help us! We are very grateful for a very positive experience -- very happy new members!"
- Eden Prairie Branch Member, via New Member Survey
"SPIRE is trustworthy. I receive great customer service. Each employee has always been more than helpful and patient. You feel like a friend (rather than) a customer."
- Blaine Branch Member, via Relationship Survey
"The staff were very easy to talk to and work with in opening an account and applying for a loan. Getting a car loan with a great interest rate was a very nice experience."
- Roseville Branch Member, via New Member Survey
"We were thrilled to be able to switch to SPIRE. Mia was fantastic helping my husband and then she met with both of us. She is amazing to work with."
- Vadnais Heights Branch Member, via New Member Survey
"The overall ease of the process and the positive & cheerful staff members --all of them-- are why I would recommend SPIRE. The process was smooth from the first contact to the finalization of the loan. I was especially happy with the great help from Nili in Eden Prairie who made things so easy."
- 3-5 Year Member, via New Product Survey
"I will ALWAYS recommend SPIRE! Since day one, doing business with your staff is met by compassionate, caring people who go out of their way to help me with my needs."
- 10+ Year Milaca Branch Member, via New Product Survey
"Connie is the reason I keep coming back. She has been so helpful to me over the years. I really feel like she cares about doing everything she can do to help make my financial life as stress-free as possible."
- 3-5 Year Woodbury Branch Member, via Branch Survey
"SPIRE is a superior, customer-oriented credit union! It was incredibly seamless, as Jake was very prompt and helpful every time we connected. I find the SPIRE website to be easy to navigate. Everyone I have interacted with has made me feel like I've been a long-time member even though it's been less than a month. You are all doing something!"
- New SPIRE Member, via New Product Survey
"We appreciate the personal approach to members. We don't feel like a number, but that the employees consistently want to treat us well. We love SPIRE!"
- Maple Grove Branch Member, via New Product Survey
"April (is the reason why I would recommend SPIRE). She is super personable, knowledgeable, and helpful."
- Elk River Branch Member, via New Member Survey
"I have mentioned SPIRE to others as a good place to work with. I told them how you folks have always met other companies' interest rates and have often offered even better rates."
- Woodbury Branch Member, via New Product Survey
"The hometown feel, the attention to detail, and fast actions they took when I was in a big pickle in New York (is why I would recommend SPIRE). The representative was understanding and very helpful. My hat's off to the staff that keeps on doing an awesome job every day. Keep up the good work."
- Milaca Branch Member, via Contact Center Survey
"Noah was the most engaging and helpful person I've ever met! He is the reason why I would recommend SPIRE."
- Coon Rapids Branch Member, via Member Survey
"Super friendly tellers who know their customers by name and they explain things well. They are always fast to get back to you. The Pine City Branch has been wonderful to do business with over time."
- Pine City Branch Member, via New Product Survey
"I'm extremely likely to recommend SPIRE because they always help our family with whatever we need. The chat box in the app helped me get the assistance that I needed quickly and so, so easily. Thanks SPIRE!"
- Elk River Branch Member, via Contact Center Survey
"I've been a member for 40+ years. The environment has a small town feel. The staff know you and are sincerely interested in you."
- Roseville Branch Member, via Branch Survey
"Everyone in the SPIRE Isle location is so friendly and concerned about our well-being and are so very helpful. We are Texas residents who travel to Minnesota for the summer months. We very much appreciate being called by name when we visit. Thank you!"
- Isle Branch Member, via Branch Survey
"The loan process was easy and quick. This was our third vehicle loan obtained through SPIRE, and we have been totally satisfied with the experience because of SPIRE's GREAT customer service!"
- Roseville Branch Member, via New Product Survey
"We love SPIRE because they are convenient, and everyone who works there is extremely kind and knowledgeable. I recommend them to everyone that I can! SPIRE is the best place that we have ever used. We had never used a credit union before, but we are certainly glad that we decided to try SPIRE!"
- Vadnais Heights Branch, via Member Survey
"Rochelle in Risk Management and Shelby on the loan team were both AMAZING. These two employees understood my unique situation. There were issues and they dropped what they were doing to help me. Those experiences will be remembered. "
- Maple Grove Branch Member, via New Product Survey
"I'm extremely likely to recommend SPIRE because of the always friendly staff in Eagan who have a "can-do" attitude! In fact, we have been with SPIRE for over 36 years. Our grown children who live over 200 miles away in Wisconsin still use SPIRE and love the credit union."
- Eagan Branch Member, via Branch Survey
"SPIRE has many reasons to like them. I have never had a bad experience with an associate; they are always friendly and helpful. Best of all, I can use the ATM at Kwik Trip and not be charged. That is a huge advantage."
- Coon Rapids Branch Member, via Branch Survey
"I love you guys! I have recommended SPIRE. This is my third loan through you. The other two were auto loans, and every time you all were amazing."
- Eden Prairie Branch Member, via New Product Survey
"I am continually amazed at how professional, courteous, and kind your staff are in the locations and phone center. Keep up the great work!"
- 10+ Year Member, via Digital Survey
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