Puppy Pal Account

SPIRE mascot, Cash the Dog, helps make saving fun for kids ages 12 and under

Open a SPIRE Puppy Pal Savings Account for your child today!

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Book an Appointment

Open a Puppy Pal account for your little one to teach them the value of saving.

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.

Puppy Pal Accounts. Making saving fun for kids 12 and under

Learning to save is the first step in achieving dreams

With a Puppy Pal account, your child can learn the value of saving up for the things that matter to them. They can learn how to save money in a piggy bank, practice going to the credit union to deposit their money and earn dividends, and make a withdrawal to purchase the things they want. All while you're able to monitor their account.

Image of Cash the Dog mascot holding a Cash bank

Start saving with Cash

When you open a Puppy Pal account for your youngster,
they will receive a free Cash the Dog bank to help them
learn how to save money.

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Earn Dividends

Teach your kids the value of saving
while earning dividends on any balance.

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No Minimum Balance Fee

There is no minimum balance required
and no monthly maintenance fee.

image of "Saving Cash" book cover

"Saving Cash" Teaches the Value of Saving

Your child will also receive a free copy of "Saving Cash:
Can Danny Prove He's Responsible Enough to Rescue a Puppy?"

The book follows Danny as he learns how to save up enough
money for doggie supplies so his family can rescue Cash.

Written by John DuBois and Illustrated by Cedric Hohnstadt.

Read along with Dan

You and your child can read "Saving Cash" along with SPIRE President/CEO Dan Stoltz!

Open Digital Book

Play Audio Only:


Other Savings ProgramsRates Effective: 9/5/2023

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 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


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


A qualified joint-owner is required.

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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