SPIRE Free Checking Account

Open a SPIRE FREE Checking Account and get $100 today1

Learn about spire free checking 

$50 if we can't beat your current non-SPIRE auto loan rate.  Ask for details.

SPIRE Auto Refinance Guarantee - Get $50 if we can't beat your current non-SPIRE auto loan rate.2

Apply now to refinance


Home Equity Loans with a maximum of $500 in closing costs

Home Equity Loans with a maximum of $500 in closing costs3

Apply for a Home Equity Loan

27-month Certificate Special - 2.5%25 APY* Ask for Details.

27-Month Certificate Special - 2.50% APY4

Learn about SPIRE Certificates

1Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum deposit required to open Free checking account. $50 minimum deposit required to open a Saints or Teen checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions within 60 calendar days from the date the account was opened. Account must remain open for six months. $100 will be deposited to the checking account upon account opening. If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100. Account holder responsible for any applicable taxes. Limited time offer valid 1.1.19 - 3.31.19. Subject to termination at any time. Other conditions and restrictions may apply.

2Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.50% with a minimum interest rate floor of 0.50% below the current SPIRE New Vehicle 36 month rate. Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $50 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.50% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes. Offer expires 3.31.19.

3SPIRE member responsible to pay up to $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500, excluding fees incurred for subordinations. Minimum loan amount is $10,000. A minimum of $10,000 must be new money to SPIRE. Maximum $750,000 loan amount for senior lien. Maximum loan amount $200,000 for junior lien. Maximum combined loan to value is 80%. Property must be the primary residence. Property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. Offer subject to termination at any time. Rates and terms are subject to qualification. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility. Offer valid through 3.31.19.

4Annual Percentage Yield (APY).  Certificate requires a $500 minimum balance to open.  All dividends are calculated daily and paid quarterly at calendar quarter end and maturity.  If dividends are paid to any other account, the APY may vary slightly. APY accurate as of 1.1.2019. At maturity, the certificate will renew under the current rate and terms of the 24-month certificate.  Accountholder may be subject to an early withdrawal penalty.  Offer ends 3.31.19 and is subject to termination at any time.