Teen Savings

A savings account designed to help teens start off on the right financial foot.

If you're 13-20 years old, you can take advantage of the benefits of being a SPIRE member while your parents can help manage your accounts.

Take the Next Step

Book an Appointment

Open your SPIRE Teen Savings account with as little as $10 and become a SPIRE member for life. 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.

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Start Saving for Something Big

Deposit the money you receive as gifts or from your
first job and start saving for the next best tech toy,
outfit, or anything else you want!

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Earn Dividends

Learn the value of saving while
earning dividends on any balance.

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No Minimum Balance Fee

There is no minimum balance required
and no monthly maintenance fee.

Send & Receive Money with Free SPIRE Digital Banking.

Securely manage your SPIRE accounts wherever your day takes you with free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, mobile wallet, and mobile deposit capture. 

Learn more about SPIRE Digital Banking


Other Savings ProgramsRates Effective: 12/1/2023

Dividend APY*
Holiday Savings Club0.3000.30
Budget Savings0.3000.30
Puppy Pal Savings0.3000.30
Teen Savings0.3000.30
Health Savings Account0.3000.30

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 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.

Compare Savings Options

Calculate Your Savings

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Find out how much you could save with monthly deposits.

Financial Calculators


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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