Business Certificates

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

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Book an Appointment

Save at a higher rate with a SPIRE Business Certificate. Experience the SPIRE difference today.

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.

Business Account Checklist

Lock-in

Earn dividends at a higher rate
than a traditional savings account.

Your rate is locked in for the term of your certificate.

Dividends can be paid to a SPIRE Certificate, Share Savings,
Money Market, or Checking account.

All dividends are calculated daily and paid quarterly.
Actual payment is at calendar quarter end and at maturity.

Customize Your Terms

SPIRE offers three levels of certificate accounts with a variety of terms to choose from:

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

Premium Certificates
Three 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

Take advantage of rising dividend rates by trading any existing SPIRE Certificate to a new certificate of greater or equal term.

The term of the new certificate must be greater than or equal to the remaining term of the existing certificate.

A fee of 1% of the principal balance of the existing Certificate will be imposed on each trade-up.

There is no limit to the number of times you can trade up.

Rates

Regular Business Certificates

Certificates ($500 Minimum Balance)Rates Effective: 5/22/2023

	Dividend	APY*
3 Months	3.357	3.40
6 Months	3.601	3.65
12 Months	4.812	4.90
18 Months	3.844	3.90
24 Months	3.601	3.65
36 month	3.357	3.40
48 Months	3.113	3.15
60 Months	3.113	3.15

Premium Business Certificates

	Dividend	APY*
3 Months	3.455	3.50
6 Months	3.698	3.75
12 Months	4.909	5.00
18 Months	3.941	4.00
24 Months	3.698	3.75
36 Months	3.455	3.50
48 Months	3.211	3.25
60 Months	3.211	3.25

Jumbo Business Certificates

	Dividend	APY*
12 Months	5.102	5.20
24 Months	3.893	3.95
36 Months	3.650	3.70

VIEW ALL RATES
*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 If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.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