Lake and boat at sunset


No matter what your goals may be, SPIRE can help you save to get there.

Start saving with a SPIRE Share Savings account, or for a specific reason.

Start Saving

Share Savings

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Start saving with SPIRE and earn dividends on balances over $100.

Budget Savings

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Encourage saving with limited withdrawals per quarter.


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

Money Market

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

Save for Your Family

Puppy Pal Savings

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Cash the Dog helps make saving fun for kids ages 12 and under.

Teen Savings

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For ages 13-17 to start off on the right financial foot.

Holiday Savings

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Save for your holiday expenses year-round while earning dividends.

Save for a Reason

Retirement Savings

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Plan for financial security during retirement with an IRA.

Education Savings

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Start saving for your child's education with a Coverdell Education Savings account.

Health Savings

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Conveniently save and pay for qualified medical expenses with an HSA.

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.

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