Thank you, Minnesota, for voting SPIRE as Minnesota's Best Credit Union, Wealth Management, and Customer Service

SPIRE has been voted Minnesota's Best in three categories

a woman smiling and holding a happy looking dog next to a tent

A Low-rate Personal Loan

Gives you freedom to focus on what's important

four people wearing winter clothing sitting together in the outdoors

Get Cozy

With $100¹ when you open a new SPIRE Free Checking Account

father smiles at his children who are sitting in the back of a vehicle

Enjoy the Ride

With $100² when you refinance your non-SPIRE auto loan

two people smiling in their home and pointing at a laptop screen

Refinance your Home

And enjoy what a lower rate can do for you

one person holding another person's hand to help them climb a rock

Find the Value

Of working with an advisor

SPIRE Credit Union

Driven by Midwestern Values

Welcome! At SPIRE, our core purpose is simple - to improve lives. Since 1934, we have proudly served the residents of Minnesota and Wisconsin. Today, with 21 branch locations in Minnesota, a network of ATMs across the country, and innovative products and services, we can assist you with all of your financial needs. Learn more about SPIRE.

Visit SPIRE

Search for branches and free ATMs and book an appointment.

Visa Credit Card

Open a SPIRE Visa^® Credit card and enjoy great benefits.

Auto & RV Loans

Get behind the wheel and on to the open road or water.

Real Estate Center

Start the journey of finding the home of your dreams.

Financial Calculators

Find out what it will take to achieve your goals.

Current Promotions

Discover how SPIRE can improve your life.

SPIRE News

Protect Yourself with Account Alerts

Setting up alerts to detect and prevent fraud has never been so easy. Know immediately when suspected fraud occurs to prevent it from getting out of control.

Protect Yourself from Online Loan Fraud

If a loan company is promising approval without a credit check, asking for a fee upfront or telling you they need access to your digital banking, it’s a scam.

Protect Yourself from Remote Access Fraud

Remote access lets someone login to your device and fraudsters can then take sensitive data and commit various types of frauds/scams against you.

Powerful in Pink & Stronger Than Cancer

Each year, over 30,000 new cancer cases are reported in Minnesota. This is why we wear pink each October to raise money for the American Cancer Society of Minnesota.

Midland Co-op CU Votes to Merge with SPIRE

Midland Co-op Credit Union (MCCU) and SPIRE started as one credit union in 1934. On Tuesday, Midland members voted to merge back with SPIRE starting November 1.

Apply Now for a Foundation Scholarship

The Minnesota Credit Union Network’s Foundation Scholarship Council is now accepting applications for $16,000 in scholarships for credit union members.

Hear from SPIRE Members

"Jacob and Mia were both equally amazing in delivering excellent customer service! The process of becoming a member and getting a loan could not have been easier!"

- New Member, via New Member Survey

"I've been impressed and honored to have nothing less than the best in customer service with every interaction. SPIRE must be a great place to work, as the employees are absolutely fabulous. Thank you for having an exceptional, understanding, knowledgeable, and compassionate staff."

- Maple Grove Branch Member, via Contact Center Survey

"I have always been treated kindly and with respect during my interactions at the Isle branch. Isle is top-notch with staff always willing to assist me and answer my questions politely. You have great employees and that says everything to each member that comes in the door."

- 10+ Year Member, via Isle Branch Survey

"I'm extremely likely to recommend SPIRE because of good service and great annual meetings. I would just encourage you to continue building a network for use across all of Minnesota."

- Maple Grove Branch Member, via Relationship Survey

"So far during my time with SPIRE, I am very happy with the consistency you provide with very nice service. You make the customer feel part of a community and empowered."

- Member in Nebraska, via Contact Center Survey

"I felt comfortable and welcomed. Everything about the process was very easy, and Casey was very welcoming and friendly."

- Blaine Branch Member, via New Member Survey

"I came to SPIRE several years ago to refinance a car. It was so easy to open an account and refinance that I moved all of my finances over to SPIRE. The process was so fast and easy. I tell everybody how easy it is to do business with SPIRE."

- 3-5 Year Blaine Branch Member, via New Product Survey

"The prompt service and excellent knowledge delivered to us are why we are extremely likely to recommend SPIRE. SPIRE also offers very competitive interest rates. We recommend you all to anyone that will listen."

- Minneapolis Branch Member, via New Product Survey

"Andrew is the best. My visit was comfortable, easy, and fun."

- Pine City Branch Member, via New Member Survey

"I have been a member since 1965. I have had zero problems with SPIRE and feel very secure with the business. The employees are always very friendly and helpful."

- 10+ Year Member, via Relationship Survey

"Amazing customer service, transactions that clear quickly, low-interest rates, and an overall amazing system. Everything is laid out nicely and is super easy to use."

- Princeton Branch Member, via Digital Survey

"Mo is so nice, genuine, and intelligent along with being extremely kind, patient, and knowledgeable. We felt confident with his recommendations. We felt like he actually cared and wanted to help us! We are very grateful for a very positive experience -- very happy new members!"

- Eden Prairie Branch Member, via New Member Survey

"Carter and Nili were both helpful and knowledgeable. When I've needed help from staff at the teller line or drive-thru, service has been prompt and polite. At SPIRE I feel like my business is valued."

- Minneapolis Branch Member, via New Product Survey

"I have convinced MANY friends and relatives to become SPIRE customers. For well over 20 years, we have used SPIRE for auto loans, business accounts for 2 businesses, personal accounts and a home equity loan. I have always been very happy with my personal interactions and with customer service. "

- St. Paul Branch Member, via Member Survey

"It was clear that Shane cared about my service experience -- which could not have been better. Shane is the bomb -- hats off to him!"

- Maple Grove Branch Member, via New Product Survey

"The overall ease of the process and the positive & cheerful staff members --all of them-- are why I would recommend SPIRE. The process was smooth from the first contact to the finalization of the loan. I was especially happy with the great help from Nili in Eden Prairie who made things so easy."

- 3-5 Year Member, via New Product Survey

"Personal and clear communication. My representative was upfront about everything and didn't miss a single detail. He was chatting with me via text the whole time I was at the dealership. This was especially helpful after a quick unexpected car shift. He also followed up with me later which made me feel very valued for my car loan. I'm not kidding, I always recommend SPIRE."

- Minneapolis Branch Member, via New Product Survey

"SPIRE employees are always VERY friendly, when you go into a branch and they remember you!!! They always make sure you have the right type of accounts that are best for you!"

- Pine City Branch Member, via Member Survey

"SPIRE is a superior, customer-oriented credit union! It was incredibly seamless, as Jake was very prompt and helpful every time we connected. I find the SPIRE website to be easy to navigate. Everyone I have interacted with has made me feel like I've been a long-time member even though it's been less than a month. You are all doing something!"

- New SPIRE Member, via New Product Survey

"They always have the products and services that I need. The interactions with staff have always been friendly and SPIRE has a great website and digital banking service."

- Maple Grove Branch Member, via Digital Survey

"April (is the reason why I would recommend SPIRE). She is super personable, knowledgeable, and helpful."

- Elk River Branch Member, via New Member Survey

"I have mentioned SPIRE to others as a good place to work with. I told them how you folks have always met other companies' interest rates and have often offered even better rates."

- Woodbury Branch Member, via New Product Survey

"The hometown feel, the attention to detail, and fast actions they took when I was in a big pickle in New York (is why I would recommend SPIRE). The representative was understanding and very helpful. My hat's off to the staff that keeps on doing an awesome job every day. Keep up the good work."

- Milaca Branch Member, via Contact Center Survey

"Noah was the most engaging and helpful person I've ever met! He is the reason why I would recommend SPIRE."

- Coon Rapids Branch Member, via Member Survey

"Super friendly tellers who know their customers by name and they explain things well. They are always fast to get back to you. The Pine City Branch has been wonderful to do business with over time."

- Pine City Branch Member, via New Product Survey

"I'm extremely likely to recommend SPIRE because they always help our family with whatever we need. The chat box in the app helped me get the assistance that I needed quickly and so, so easily. Thanks SPIRE!"

- Elk River Branch Member, via Contact Center Survey

"I've been a member for 40+ years. The environment has a small town feel. The staff know you and are sincerely interested in you."

- Roseville Branch Member, via Branch Survey

"Everyone in the SPIRE Isle location is so friendly and concerned about our well-being and are so very helpful. We are Texas residents who travel to Minnesota for the summer months. We very much appreciate being called by name when we visit. Thank you!"

- Isle Branch Member, via Branch Survey

"The loan process was easy and quick. This was our third vehicle loan obtained through SPIRE, and we have been totally satisfied with the experience because of SPIRE's GREAT customer service!"

- Roseville Branch Member, via New Product Survey

"We love SPIRE because they are convenient, and everyone who works there is extremely kind and knowledgeable. I recommend them to everyone that I can! SPIRE is the best place that we have ever used. We had never used a credit union before, but we are certainly glad that we decided to try SPIRE!"

- Vadnais Heights Branch, via Member Survey

"Rochelle in Risk Management and Shelby on the loan team were both AMAZING. These two employees understood my unique situation. There were issues and they dropped what they were doing to help me. Those experiences will be remembered. "

- Maple Grove Branch Member, via New Product Survey

"I'm extremely likely to recommend SPIRE because of the always friendly staff in Eagan who have a "can-do" attitude! In fact, we have been with SPIRE for over 36 years. Our grown children who live over 200 miles away in Wisconsin still use SPIRE and love the credit union."

- Eagan Branch Member, via Branch Survey

"SPIRE has many reasons to like them. I have never had a bad experience with an associate; they are always friendly and helpful. Best of all, I can use the ATM at Kwik Trip and not be charged. That is a huge advantage."

- Coon Rapids Branch Member, via Branch Survey

"I love you guys! I have recommended SPIRE. This is my third loan through you. The other two were auto loans, and every time you all were amazing."

- Eden Prairie Branch Member, via New Product Survey

"I am continually amazed at how professional, courteous, and kind your staff are in the locations and phone center. Keep up the great work!"

- 10+ Year Member, via Digital Survey