Money Market

Safely save your money with a SPIRE Money Market account.

Earn dividends at a great rate with convenient access to your money when you need it.

Take the Next Step

Book an Appointment

Open an account and 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

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

Earn dividends on any balance.
A $2,500 daily minimum balance is required
to avoid a monthly minimum balance fee.

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Overdraft Protection

You can link your SPIRE Money Market account
to other SPIRE accounts for overdraft protection.

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Enjoy a Free SPIRE Visa® Debit card.

With a SPIRE Money Market account, you are eligible for a free SPIRE Visa Debit card.

SPIRE Money Market account holders also enjoy two
free ATM withdrawals at non-network ATMs per monthly statement cycle.

Your card number, expiration date, and name are all on the back to deter hackers and skimmers.

Learn more about SPIRE debit cards


Money MarketRates Effective: 12/1/2023

Dividend APY*
$0 to $9,999.991.3421.35
$10,000 to $19,999.991.3421.35
$20,000 to $49,999.991.3421.35
$50,000 to $99,999.991.3421.35
$100,000 to $249,999.991.5881.60
$250,000 to $499,999.992.2272.25
$500,000 to $999,999.992.9603.00
$1,000,000 +3.4453.50

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 week and the first business day of each month (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

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Insured by NCUA

Your deposits are federally insured
and backed by full faith and credit of the
United States Government up to $250,000.

Learn more about the National Credit Union Administration

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IRA Money Markets

Money Market accounts are also available for
Traditional and Roth IRAs with no fees
(administrative and maintenance fees are waived).

See IRA Money Market Options


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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