Certificates

SPIRE Certificate Accounts

SPIRE Certificates are a great way to save with a guaranteed interest rate locked-in for the term of your choice.

Dividends can be paid to a SPIRE Certificate, Share Savings account, Money Market Savings account or Checking account.
Traditional and Roth IRA Certificate dividends must be paid back to the IRA Certificate.
All dividends are calculated daily and paid quarterly. Actual payment is at calendar quarter end and at maturity.

Account Levels & Terms

SPIRE offers three levels of certificate accounts with a variety of terms.

Regular Certificates
3 to 60 month terms with a $500 minimum balance.

Premium Certificates
3 to 60 month terms with a $10,000 minimum balance.

Jumbo Certificates
12 to 36 month terms with a $100,000 minimum balance.

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 4.30.19 and is subject to termination at any time.

TRADE-UP YOUR CERTIFICATE

SPIRE offers a unique, "Trade-up Your Certificate" program, which allows you to take advantage of rising interest rates.

You have the option to trade any existing Certificate to a new Certificate of equal or greater term. There is no limit to the number of times you can trade up. A fee of 1% of the principal balance of the existing Certificate will be imposed on each trade-up.

Rates

Regular Certificates

Certificates ($500 Minimum Balance) 1/1/2019

	Dividend	APY*
3 Months	0.549	0.55
6 Months	0.698	0.70
12 Months	0.947	0.95
18 Months	1.145	1.15
24 Months	1.393	1.40
27 Months	2.477	2.50
36 Months	1.640	1.65
48 Months	1.985	2.00
60 Months	2.575	2.60

Premium Certificates

	Dividend	APY*
3 Months	0.648	0.65
6 Months	0.798	0.80
12 Months	1.046	1.05
18 Months	1.244	1.25
24 Months	1.492	1.50
27 Months	2.477	2.50
36 Months	1.739	1.75
48 Months	2.084	2.10
60 Months	2.673	2.70

Jumbo Certificates

	Dividend	APY*
12 Months	1.046	1.05
24 Months	1.492	1.50
36 Months	1.739	1.75

IRA and HSA Certificates are also available.
VIEW ALL RATES
*Annual Percentage Yield.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).

Truth in Savings Disclosure