Current Promos

SPIRE members benefit from our great rates and service daily.

Take advantage of these special offers today!

SPIRE Vehicle Loans

Apply for a 36-month vehicle loan with rates as low as 1.99% APR*.

+APR = Annual Percentage Rate. Rate based on 36-month term, with automatic payment on autos 2005 and newer. Minimum amount financed is $5,000 and must be new money to SPIRE. Payment is $28.46 per $1,000 borrowed. Loans are subject to credit approval. Other terms and conditions may apply. Rate effective September 21, 2021 and subject to change at any time.

SPIRE Free Checking

Get $100 today when you open a SPIRE FREE Checking Account1.

1Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum deposit required to open Free checking account. $50 minimum deposit required to open a Saints or Teen checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions (not including ATM transactions) within 60 calendar days from the date the account was opened. Account must remain open for six months. $100 will be deposited to the checking account upon account opening. If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100. Account holder responsible for any applicable taxes. Limited time offer valid 01.01.22 - 03.31.22. Subject to termination at any time. Other conditions and restrictions may apply.

Refinance Your Auto Loan

Get $1002 when you refinance your non-SPIRE auto loan.

 

2Offer valid on vehicle loans currently financed with a lender other than SPIRE. Minimum amount financed is $5,000. $100 will be deposited to the share savings account upon loan account opening. Loans subject to credit approval. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 03.31.2022. Subject to termination at any time. Federally Insured by NCUA.

Personal Loans

Endless options are possible with SPIRE Personal Loans, including no origination fees. 

Retirement & Investment Services

Don't forget about your old 401(k) plan! Schedule an appointment with an advisor today.
 

Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. SPIRE Retirement & Investment Services is a trade name of SPIRE Credit Union. Infinex and SPIRE Credit Union are not affiliated. Products and services made available through Infinex are not insured by the NCUA or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any credit union or credit union affiliate. These products are subject to investment risk, including the possible loss of value.

Reward Yourself for Shopping

Earn rewards & give back to important causes with every purchase using the SPIRE Signature Visa® Credit card.

SPIRE Recreational Vehicle Loans

Loans for your new winter toy, available at SPIRE.

 

HomeAdvantage®

Find your home with HomeAdvantage and get cash back when you close.*

*HomeAdvantage is available to you through your membership with SPIRE Credit Union. Cash Rewards are available to members who register to use HomeAdvantage and who use a real estate agent in the HomeAdvantage network to buy or sell their home. Using SPIRE Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. SPIRE Credit Union may have specific rules on how your Cash Rewards will be paid out. Cash Rewards are void where prohibited by law or the lender. Please consult with your credit union to get details that may affect you.
Examples of Cash Rewards amounts shown are based on 3% commission rates. Your agent's commission rate may differ.

Refinance Your Current Mortgage

Refinance your mortgage with a maximum of $1,000 in closing costs.+

+APR =  Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $175,000 and $647,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $822,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000 and does not include the fee for a potential subordination agreement. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

Investment Properties Refinance Special

Refinance your investment property with a maximum of $1,000 in closing costs.6

6Limited to 3 properties per owner. Property must be an investment property located in MN. SPIRE member responsible to pay $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

1% Down Payment

 

Put as little as 1% down on a fixed-rate mortgage and enjoy lower monthly mortgage insurance!

Auto Refinance Guarantee

Get $50 if we can't beat your non-SPIRE auto loan rate2

Take the Next Step

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.

Let us help you achieve your financial goals. Experience the SPIRE difference today.

Join SPIRE Now
Apply Online

 
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