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Trade Up Policy
SPIRE's "Trade Up Your Certificate" program allows you to trade any existing Certificate to a new Certificate of greater or equal term to take advantage of rising dividend rates. The term of the new certificate must be greater than or equal to the remaining term of the existing Certificate. A fee of 1% of the principal balance of the existing Certificate will be imposed on each trade up. There is no limit to the number of times you can trade up.
*Quoted Annual Percentage Yield (APY) assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity. If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly. A withdrawal of dividends will reduce earnings. See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account.