Holiday Savings Club

Save for your holiday expenses year-round.

Earn dividends on any balance with no minimum balance fee. Holiday Savings accounts can be opened at any time throughout the year. Deposits can be made through direct deposit/payroll deduction, automatic transfer from another SPIRE account or even a different financial institution.

For your shopping convenience, your funds will be automatically transferred to a SPIRE deposit account on the first of November. Free SPIRE Internet Banking & Mobile app account access are included.

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Make giving even easier this year with a Holiday Savings account. Experience the SPIRE difference today.

Join SPIRE Now
Add a Holiday Savings Account


Other Savings ProgramsRates Effective: 1/1/2022

Dividend APY*
Holiday Savings Club0.1500.15
Budget Savings0.2000.20
Puppy Pal Savings0.2000.20
Teen Savings0.2000.20
Health Savings Account0.1000.10

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each quarter (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.


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.

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