Business Savings Accounts

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

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.

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Let your money go further with a SPIRE Business Savings account. 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.

Business Account Checklist

Business Share Savings

A SPIRE Business Share Savings account means
you share in a part of the ownership of the credit union.

As an owner-member of SPIRE,
you earn dividends on balances over $100.

Business Budget Savings

Encourage saving to achieve your goals
with limited withdrawals.

Earn dividends on any balance at a higher rate than a traditional savings account.

One free withdrawal per calendar quarter.

Business Money Market Savings

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

A $2,500 daily minimum balance is required
to avoid a monthly minimum balance fee.

Business Certificate Savings

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

Explore Business Certificates

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Free SPIRE Digital Banking

Securely manage your SPIRE accounts from anywhere with
free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include eStatements, transfers, direct deposit, digital wallet, check deposit, and exports to QuickBooks.

Learn more about SPIRE Digital Banking

Rates

Business Share Savings

Share SavingsRates Effective: 6/1/2023

	Dividend	APY*
$0 to $99.99	0.000	0.00
$100.00 to $1,999.99	0.050	0.05
$2,000 and Greater	0.100	0.10

Business Money Market

	Dividend	APY*
$0 to $9,999.99	1.193	1.20
$10,000 to $19,999.99	1.193	1.20
$20,000 to $49,999.99	1.193	1.20
$50,000 to $99,999.99	1.193	1.20
$100,000 to $249,999.99	1.242	1.25
$250,000 to $499,999.99	1.980	2.00
$500,000 to $999,999.99	2.472	2.50
$1,000,000 +	2.960	3.00

Other Business Accounts

	Dividend	APY*
Health Savings Account (HSA)	0.300	0.30
Budget Savings	0.300	0.30

VIEW ALL RATES

*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

Calculate Your Savings

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Find out how much you could save with monthly deposits.

Financial Calculators

Insured by NCUA

Your deposits are federally insured
and backed by full faith and credit of the
United States Government up to $250,000.

Learn more about the National Credit Union Administration

Fees

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.