Personal Savings Dividend Rates | SPIRE Credit Union

Share Savings⁺Rates Effective: 3/20/2023

	Dividend	APY*
$0 to $99.99	0.000	0.00
$100 to $1,999.99	0.050	0.05
$2,000 and Greater	0.100	0.10

Money MarketRates Effective: 3/20/2023

	Dividend	APY*
$0 to $9,999.99	0.995	1.00
$10,000 to $19,999.99	1.045	1.05
$20,000 to $49,999.99	1.094	1.10
$50,000 to $99,999.99	1.144	1.15
$100,000 to $249,999.99	1.193	1.20
$250,000 to $499,999.99	1.490	1.50
$500,000 to $999,999.99	2.472	2.50
$1,000,000 +	2.960	3.00

IRA Money MarketRates Effective: 3/20/2023

	Dividend	APY*
$0 to $9,999.99	0.995	1.00
$10,000 to $19,999.99	1.045	1.05
$20,000 to $49,999.99	1.094	1.10
$50,000 to $99,999.99	1.144	1.15
$100,000 to $249,999.99	1.193	1.20
$250,000 to $499,999.99	1.490	1.50
$500,000 to $999,999.99	2.472	2.50
$1,000,000 +	2.960	3.00

Other Savings ProgramsRates Effective: 3/20/2023

	Dividend	APY*
Holiday Savings Club	0.300	0.30
Budget Savings	0.300	0.30
Puppy Pal Savings	0.300	0.30
Teen Savings	0.300	0.30
Health Savings Account	0.300	0.30

+$10 minimum balance to open account

^*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 If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.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.
IRA and HSA Certificates are also available.
Dividends earned on HSA Certificates must be paid to the Certificate.
Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type.

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