Disclaimer: By continuing, you will be leaving the SPIRE Credit Union website and going to a website not operated by SPIRE Credit Union. SPIRE Credit Union is not responsible for the content or availability of other websites. Please be advised that SPIRE Credit Union does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by SPIRE Credit Union.
SPIRE mascot, Cash the Dog, makes saving fun for kids 12 & under.
VIEW SAVINGS RATES
Open a new SPIRE Free Checking account today and get $1001!
VIEW CHECKING RATES
Transform your space with a low-rate home equity loan.
VIEW LOAN RATES
Refinance your single-family home & duplex investment properties.6
VIEW BUSINESS RATES
Are you prepared for your retirement?
VIEW OUR RATES
Gifts for everyone on your list - yourself included!
An Individual Retirement Account (IRA) helps you save for retirement on either a tax-free or tax-deferred basis.
Book an Appointment
Open an account and experience the SPIRE difference today.
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.
Your savings can grow faster with an IRA than
a traditional taxable savings account.
Earn dividends at a higher rate
than a traditional savings account.
IRAs are available for all wage earners - even if you
are already covered by another type of retirement or pension plan.
SPIRE offers several IRA options including:
Simplified Employee Pension Plan (SEP) IRA
IRA Money Market
VIEW ALL RATES
*Annual Percentage Yield.
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
See current Service Fee Schedule for additional information. Fees may reduce earnings.
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.