Individual Retirement Accounts (IRAs) are available for all wage earners, even if you are already covered by another type of retirement or pension plan. SPIRE offers several IRA options including:

  • IRA Certificates
  • IRA Money Market
  • Traditional IRAs
  • Roth IRAs
  • SEP IRAs


IRA Money Market Rates

0.20-1.00% APY*


$0 to $9,999.99

0.20 Dividend

0.20 APY*

$10,000 to $19,999.99

0.25 Dividend

0.25 APY*

$20,000 to $49,999.99

0.30 Dividend

0.30 APY*

$50,000 to $99,999.99

0.35 Dividend

0.35 APY*

$100,000 to $249,999.99

0.40 Dividend

0.40 APY*

$250,000 to $499,999.99

0.50 Dividend

0.50 APY*

$500,000 to $999,999.99

0.75 Dividend

0.75 APY*

$1,000,000 and Greater

1.00 Dividend

1.00 APY*

View all rates

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).

compare ira options

    Traditional IRA

    Roth IRA

    Contributions MAY be tax deductible up to 100% depending on Annual Gross Income and employer-sponsored retirement plan Contributions are not tax deductible, taxes paid up front
    Earnings grow tax-deferred until withdrawn Earnings grow tax-deferred
    Withdrawals are taxed as income Withdrawals only taxed if withdrawn before age 59 ½, not required
    Cannot fund after age 70 ½ Can fund after age 70 ½
    Required minimum distributions begin at age 70 ½ No required minimum distributions

We encourage you to speak with a SPIRE representative to help advise which IRA may be best for your current financial situation.

Truth in Savings


See current Service Fee Schedule for additional information
​Fees may reduce earnings

*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.

Driven by


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.

Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

Visit us at a Branch

Quickly locate a nearby branch.

Current Promotions

Find out how you can save money today.