Share Savings

With a deposit as little as $10, you can be part of SPIRE Credit Union with the SPIRE Share Savings account.

It is also the perfect account to start saving for a rainy day.

  • Earn dividends on balances over $100 (Accountholders under 18 years of age earn dividends on balances $10 or over).
  • No minimum balance fee.
  • Can be setup as Overdraft Protection.
  • Free eStatements available.
  • Free SPIRE Internet Banking & Mobile app account access.

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 a Share Savings account with as little as $10 and become a SPIRE member for life. Experience the SPIRE difference today.

Join SPIRE Now
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Share Savings+Rates Effective: 11/1/2021

Dividend APY*
$0 to $99.990.0000.00
$100 to $1,999.990.0250.03
$2,000 and Greater0.0500.05

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
+$10 minimum balance to open account.
At our discretion, dividend rates are subject to change on the first business day of each quarter (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.

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