Business Savings options

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

  Share Savings Money Market Budget Savings
Minimum Balance $250 $2,500 $0
Monthly Minimum Balance Fee $0 $10 $0
Withdrawal Restrictions None None 1 free withdrawal per quarter, $7.50 each thereafter

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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).

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

BUSINESS ACCOUNT Requirements & Forms 

To open your business account or for more information, please call 651.268.7750 or stop by any SPIRE branch.

Regular Certificate

  • $500 minimum balance
  • 3 to 60 month terms
Current Rates

Premium Certificate

  • $10,000 minimum balance
  • 3 to 60 months
Current Rates

Jumbo Certificate

  • $100,000 minimum balance
  • 12 to 36 months
Current Rates

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Trade-Up Your Certificate

SPIRE offers a unique, ‘Trade-Up Your Certificate’ program, which allows you to take advantage of rising interest rates.

You have the option to trade any existing Certificate to a new Certificate of equal or greater term. There is no limit to the number of times you can trade up. A fee of 1% of the principal balance of the existing Certificate will be imposed on each trade-up.


Dividends can be paid to the Certificate, Share Savings Account, Money Market Savings Account or Checking Account. All dividends are calculated daily and paid quarterly. Actual payment is at calendar quarter end and at maturity.


See current Business Fee Schedule for additional information

Truth in Savings

*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 to 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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Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.