Business Savings Accounts

Whether your are looking for a basic savings account for your daily business needs or want to earn a higher rate as you save for specific expenses, we have the right option for you.

Business Savings

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With a variety of account options, SPIRE can help make your business dreams come true.
SPIRE Business Savings

Business Certificates

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Save with a guaranteed interest rate locked-in for the term of your choice.

Business Savings Account Options

Share Savings

Start saving today with no minimum balance fee or withdrawal restrictions.

Business Budget Savings

Encourage saving with limited withdrawals per quarter.

Business Money Market

Earn dividends a great rate with convenient access to your money when you need it.


Business Share Savings

Share SavingsRates Effective: 5/1/2021

Dividend APY*
$0 to $99.990.0000.00
$100.00 to $1,999.990.0250.03
$2,000 and Greater0.0500.05
Business Money Market
Other Business Accounts

VIEW ALL RATES View all Rates icon

*Annual Percentage Yield. Quoted APY assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.

1No minimum balance required to earn interest.

At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Truth in Savings Disclosure

Compare Your Options

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Whatever you're saving for, SPIRE can help get you there.

Calculate Your Savings

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Find out how much you could save with monthly deposits.


Use our checklist to make sure you have everything you need to open your SPIRE business account.


See current Service Fee Schedule for additional information. Fees may reduce earnings.

Regulation D

Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

Take the Next Step

Call us

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Have questions? We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

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Share with us where you're at and how we can help.

Visit Us

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Open an account in person at your local SPIRE branch.

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