Current Promos

SPIRE members benefit from our great rates and service daily.

Take advantage of these special offers today!

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 1.1.21 - 3.31.21. Subject to termination at any time. Other conditions and restrictions may apply.

Refinance Your Auto Loan

Get $1004 when you refinance your non-SPIRE auto loan.

 

4Offer valid on auto 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 3.31.2021.

Auto Refinance Guarantee

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

2Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current SPIRE New Vehicle 36 month rate (not including Checking/Visa discounts). Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. 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 3.31.2021.

Reward Yourself for Shopping

Open a new SPIRE Signature Visa and enjoy:
0% APR introductory offer on purchases for 12 months, 15,000 Bonus Reward Points, and 1.5% cash back on all purchases.3

30.00% Introductory Annual Percentage Rate (APR) for 12 months from account opening on purchases available to new Visa Signature accounts opened 1.1.21-12.31.21. After that, your APR will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate plus applicable margin as stated in the Wall Street Journal in effect on 12.31.2020. Your rate is based on your creditworthiness. Please refer to the Credit Card Account Opening Disclosure you received for information regarding your APR. We calculate your balance by using a method called average daily balance (including new purchases).
15,000 reward bonus points awarded when cardholder makes $1,500 in purchases on new Visa Signature credit card within 90 days of account opening and may be redeemed for cash back or other merchandise. Recipient is responsible for applicable taxes incurred on cash back.
Earn 1.5 reward points for every dollar spent on purchases. See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for additional information.

Refinance Your Current Mortgage

Refinance your mortgage with a maximum of $500 in closing costs.+

+APR =  Annual Percentage Rate. Principal & interest payment based on loan amount of $175,000. SPIRE does escrow for taxes and insurance. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $750,000. 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. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 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 $500.00 and does not include the fee for a potential subordination agreement or the cost to change fee ownership. 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.

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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