Business Certificates

SPIRE Business Certificates are a great way to save with a guaranteed interest rate locked-in for the term of your choice.

  • Dividends can be paid to a SPIRE Certificate, Share Savings account, Money Market Savings account or Checking account.
  • All dividends are calculated daily and paid quarterly. Actual payment is at calendar quarter end and at maturity.

Account Levels & Terms

SPIRE offers three levels of certificate accounts with a variety of terms.

Regular Certificates
3 to 60 month terms with a $500 minimum balance.

Premium Certificates
3 to 60 month terms with a $10,000 minimum balance.

Jumbo Certificates
12 to 36 month terms with a $100,000 minimum balance.

Trade-Up Your Certificate

SPIRE offers a unique, "Trade-up Your Certificate" program, which allows you to take advantage of rising interest rates.

You have the option to trade any existing Certificate to a new Certificate of equal or greater term. There is no limit to the number of times you can trade up. A fee of 1% of the principal balance of the existing Certificate will be imposed on each trade-up.


Regular Business Certificates

Certificates ($500 Minimum Balance)Rates Effective: 5/23/2022

Dividend APY*
3 Months0.3000.30
6 Months0.4990.50
12 Months0.6980.70
18 Months0.7980.80
24 Months0.8970.90
36 month1.0951.10
48 Months1.4921.50
60 Months1.7881.80
Premium Business Certificates
Jumbo Business Certificates

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield. Quoted APY assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.

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


Use our checklist to make sure you have everything you need to open your SPIRE business account.


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

Take the Next Step

Call us

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Have questions? We are here to help.
888.34.SPIRE or 651.215.3500

Email Us

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Share with us where you're at and how we can help.

Visit Us

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Open an account in person at your local SPIRE branch.

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