Budget Savings

Set aside money for a special goal.

Build your savings throughout the year at a higher rate and start achieving your goals.

Take the Next Step

Book an Appointment

Open a SPIRE Budget Savings account and start achieving your goals. 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.

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Earn Dividends Faster

A SPIRE Budget Savings account helps
you save to achieve your goals.

Earn dividends at a higher rate
than a traditional savings account.

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No Minimum Balance Fee

Earn dividends on any balance without a fee.

Take one free withdrawal per calendar quarter
and $7.50 per withdrawal thereafter.

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 BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit. 

Learn more about SPIRE Digital Banking


Other Savings ProgramsRates Effective: 12/1/2023

Dividend APY*
Holiday Savings Club0.3000.30
Budget Savings0.3000.30
Puppy Pal Savings0.3000.30
Teen Savings0.3000.30
Health Savings Account0.3000.30

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.

Compare Savings Options

Calculate Your Savings

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Find out how much you could save with monthly deposits.

Financial Calculators


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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