Teen Savings

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

Earn dividends on any balance with no minimum balance fee. In fact, no minimum balance is required. Free SPIRE Internet Banking & Mobile app account access are included.

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.

Rates

Other Savings ProgramsRates Effective: 10/1/2020

Dividend APY*
Holiday Savings Club0.1500.150
Budget Savings0.2000.200
Puppy Pal Savings0.2000.200
Teen Savings0.2000.200
Health Savings Account0.1000.100

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*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

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

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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