Certificates

SPIRE Certificate Accounts

SPIRE 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.
  • Traditional and Roth IRA Certificate dividends must be paid back to the IRA Certificate.
  • 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

The SPIRE Trade-Up Your Certificate program allows you to trade any existing Certificate to a new Certificate of greater or equal term to take advantage of rising dividend rates. The term of the new Certificate must be greater than or equal to the remaining term of the existing Certificate. Half of the Early Withdrawal Penalty will be imposed on the existing Certificate for each trade-up. There is no limit to the number of times you can trade up.

Compare Your Options

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Rates

Regular Certificates

Certificates ($500 Minimum Balance) 8/10/2020

Dividend APY*
3 Months0.1500.150
6 Months0.3000.300
12 Months0.4990.500
18 Months0.5490.550
24 Months0.6480.650
36 Months0.8970.900
48 Months1.1451.150
60 Months1.2941.300
Premium Certificates
Jumbo Certificates

VIEW ALL RATES View all Rates icon
*Quoted Annual Percentage Yield (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  If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.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. 

IRA and HSA Certificates are also available. Dividends earned on HSA Certificates must be paid to the Certificate. Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type.

Early Withdrawal Penalties: All Certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the Certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends.

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

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.

Open an account and experience the SPIRE difference today.

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Fees

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

 
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