Money Market

SPIRE Money Market Accounts

Earn a great rate with convenient access to your money when you need it.

  • No minimum balance required to earn dividends.
  • Get two free ATM withdrawals per monthly statement cycle at non-proprietary machines.
  • Free SPIRE Internet Banking & Mobile app account access.
  • Can be setup as Overdraft Protection.
  • $2,500 minimum daily balance required to avoid monthly minimum balance fee.
  • Your deposits are federally insured and backed by full faith and credit of the United States Government up to $250,000.

IRA Money Market Accounts

Money Market accounts are also available for Traditional and Roth IRAs with no fees (administrative and maintenance fees are waived).

IRA Money Market Options


Money MarketRates Effective: 1/1/2019

Dividend APY*
$0 to $9,999.990.2000.200
$10,000 to $19,999.990.2500.250
$20,000 to $49,999.990.3000.300
$50,000 to $99,999.990.3500.350
$100,000 to $249,999.990.4000.400
$250,000 to $499,999.990.5000.500
$500,000 to $999,999.990.7500.750
$1,000,000 and Greater1.0001.000

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 Your Options

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Whatever you're saving for, SPIRE can help get you there.

Calculate Your Savings

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Find out how much you could save with monthly deposits.


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.

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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