Certificates

A great way to save with a guaranteed interest rate locked-in for the term of your choice.

Take the Next Step

Book an Appointment

Save at a higher rate with a SPIRE Certificate. 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.

*Quoted Annual Percentage Yield (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 If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.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.

Lock-in

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

Your rate is locked in for the term of your certificate.

Dividends can be paid to a SPIRE Certificate, Share Savings,
Money Market, or Checking account.

Traditional and Roth IRA certificate dividends must be paid
back to the IRA certificate.

Customize Your Terms

SPIRE offers three levels of certificate accounts with a variety of terms to choose from:

Regular Certificates
Three to 60 month terms with a $500 minimum balance.

Premium Certificates
Three to 60 month terms with a $10,000 minimum balance.

Jumbo Certificates
12 to 36 month terms with a $100,000 minimum balance.

Trade-Up Your Certificate

Take advantage of rising dividend rates by trading any existing SPIRE Certificate to a new certificate of greater or equal term.

The term of the new certificate must be greater than or equal to the remaining term of the existing certificate.

Half of the early withdrawal penalty will be imposed on the existing certificate for each trade-up.

There is no limit to the number of times you can trade up.

Rates

Regular Certificates

Certificates ($500 Minimum Balance) 9/5/2023

	Dividend	APY*
3 Months	3.357	3.40
6 Months	3.601	3.65
12 Months	4.812	4.90
18 Months	3.844	3.90
24 Months	3.601	3.65
36 Months	3.357	3.40
48 Months	3.113	3.15
60 Months	3.113	3.15

Premium Certificates

	Dividend	APY*
3 Months	3.455	3.50
6 Months	3.698	3.75
12 Months	4.909	5.00
18 Months	3.941	4.00
24 Months	3.698	3.75
36 Months	3.455	3.50
48 Months	3.211	3.25
60 Months	3.211	3.25

Jumbo Certificates

	Dividend	APY*
12 Months	5.102	5.20
24 Months	3.893	3.95
36 Months	3.650	3.70

VIEW ALL RATES
*Quoted Annual Percentage Yield (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.

IRA and HSA Certificates are also available. Dividends earned on HSA Certiﬁcates must be paid to the Certiﬁcate. Dividends earned on Traditional and Roth IRA Certiﬁcates can be paid to any IRA of the same type.

Early Withdrawal Penalties: All Certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the Certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends plus all accrued, uncredited dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends plus all accrued, uncredited dividends.

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