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Individual Retirement Accounts

SPIRE Individual Retirement Accounts (IRAs)

IRAs can help you plan for financial security during retirement and are available for all wage earners, even if you are already covered by another type of retirement or pension plan. SPIRE offers several IRA options including:

  • IRA Certificates
  • IRA Money Market
  • Traditional IRAs
  • Roth IRAs
  • SEP IRAs


IRA Money MarketRates Effective: 4/1/2018

Dividend APY*
$0 to $9,999.990.2000.20
$10,000 to $19,999.990.2500.25
$20,000 to $49,999.990.3000.30
$50,000 to $99,999.990.3500.35
$100,000 to $249,999.990.4000.40
$250,000 to $499,999.990.5000.50
$500,000 to $999,999.990.7500.75
$1,000,000 and Greater1.0001.00

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
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 IRA Options

Traditional IRA

Roth IRA

Contributions may be tax deductible up to 100% depending on Annual Gross Income and employer-sponsored retirement planContributions are not tax deductible, taxes paid up front
Earnings grow tax-deferred until withdrawnEarnings grow tax-deferred
Withdrawals are taxed as incomeWithdrawals only taxed if withdrawn before age 59 ½, not required
Cannot fund after age 70 ½Can fund after age 70 ½
Required minimum distributions begin at age 70 ½No required minimum distributions

Get advice on which IRA may be best for your current financial situation by speaking with a SPIRE representative today.


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

Regulation D

Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

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

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Meet with a SPIRE representative in person at your local SPIRE branch.

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