VIEW OUR RATES
View Loan Rates
Already a member?
Call: 651.215.3500
Routing Number: 291075116
what are you looking for?
Routing Number 291075116
A great way to save with a guaranteed interest rate locked in for the term of your choice.
3 to 60 month terms | $500 minimum balance
3 to 60 months | $10,000 minimum balance
12 to 36 months | $100,000 minimum balance
*Annual Percentage Yield (APY). Certificate requires a $500 minimum balance to open. All dividends are calculated daily and paid quarterly at calendar quarter end and at maturity. If dividends are paid to any other account, the APY may vary slightly. APY accurate as of 04/01/2018. 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 06/30/2018. Offer subject to termination at any time.
3 Months
0.45 Dividend
0.45 APY*
6 Months
0.60 Dividend
0.60 APY*
12 Months
0.85 Dividend
0.85 APY*
18 Months
1.05 Dividend
1.05 APY*
24 Months
1.20 Dividend
1.20 APY*
27 Months
1.98 Dividend
2.00 APY*
36 Months
1.44 Dividend
1.45 APY*
48 Months
1.79 Dividend
1.80 APY*
60 Months
2.13 Dividend
2.15 APY*
0.55 Dividend
0.55 APY*
0.70 Dividend
0.70 APY*
0.95 Dividend
0.95 APY*
1.14 Dividend
1.15 APY*
1.29 Dividend
1.30 APY*
1.54 Dividend
1.55 APY*
1.89 Dividend
1.90 APY*
2.23 Dividend
2.25 APY*
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.
Dividends can be paid to the 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.
Truth in Savings
Founded in 1934, SPIRE upholds the values of honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.
"I appreciated that I had a warm greeting upon arrival. I also appreciated that another banker said "someone will be with you shortly" when I was waiting in the lobby for a banker… The banker was very knowledgeable about mortgages and when we should apply for a loan and how the whole process works." ~ Eden Prairie Branch Member
"I have always received a great reception to my calls for car loans, and general banking questions. Keep up the great work. Genuine people that smile and look you in the eyes, work best for me." ~ Blaine Branch Member
"SPIRE is a great credit union that offers good rates on loans. ATMs are easily accessible as well. Applying for a loan is the easiest process I've come across to date." ~ Minneapolis Branch Member
"I recommend SPIRE because I love the home town feeling! I was at the drive-thru and mentioned getting a checking account to the person helping me. She made it happen in 10 seconds and did all the work. It was glorious!!" ~ Coon Rapids Branch Member
"The staff knows me by name. I’m always greeted and I feel like a valued member!" ~ Milaca Branch Member
"At the Isle branch they are very friendly and get to know you personally and that makes you feel like a family." ~ Isle Branch Member
"I am extremely likely to recommend SPIRE because I have always been treated with the highest service and my questions answered immediately. I would recommend SPIRE over any other financial institution in a heartbeat." ~ Blaine Branch Member
"I felt valued by very genuine people...not just someone getting through the day. It was quick and easy!" ~ Elk River Branch Member
"Prompt service, friendly environment, and good loan rates. I have a car loan through SPIRE, and it's been a breeze to manage. I appreciate less stress in my life. I love SPIRE and recommend you to anyone hunting for banking/loans/etc." ~ Ogilvie Branch Member
We are here to improve lives.
email SPIRE
Quickly locate a nearby branch.
Find out how you can save money today.