Personal CheckingRates Effective: 12/1/2023

Dividend Rate APY* Minimum Balance to Earn Stated APY
Free Checking0.0000.00
St. Paul Saints0.0000.00N/A
Teen Checking0.0000.00N/A
St. Cloud Rox0.0000.00N/A
Checking Plus0.0500.05All Balances
55 Plus Checking0.0500.05All Balances

*Annual Percentage Yield (APY)
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).
$100 minimum deposit required to open a SPIRE Free Checking, Checking Plus, 55 Plus Checking, or HSA checking account. A $50 minimum deposit is required to open a SPIRE Teen or Saints Checking account.

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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.

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