Compare Savings

Whatever your goals may be, SPIRE can help you achieve them.


Money Market

Share Savings

Budget Savings

Holiday Savings Club

Puppy Pal Savings

Teen Savings

Best ForDividend earning with convenient accessBasic savings accountEncourage savings by limiting withdrawalsSavings for holiday expensesAges birth through 12Ages 13 to 17
DividendsEarn dividends on any balanceEarn dividends on daily balances over $100. (Earn dividends on balances over $10 if under 18)Earn dividends on any balanceEarn dividends on any balanceEarn dividends on any balanceEarn dividends on any balance
Initial Minimum DepositNone$0 ($10 minimum is required to open and maintain for initial share savings account)$0$0$0$0
Monthly Minimum Balance FeeNoneNoneNoneNoneNoneNone
Balance Requirement$2,500 minimum daily balance required to avoid monthly minimum balance feeNoneNoneNoneNoneNone
WithdrawalsGet two free ATM withdrawals per monthly statement cycle at non-proprietary machinesSee Regulation D information below1 free per calendar quarter, $7.50 each thereafterBalance automatically transferred to SPIRE checking or savings account on Nov. 1st. If funds are withdrawn early, any accrued dividends will be forfeited and Holiday Savings Club account closed.See Regulation D information belowSee Regulation D information below
Use as Overdraft ProtectionYesYesN/AN/AN/AN/A
Internet & Telephone BankingYes, FreeYes, FreeYes, FreeYes, FreeYes, FreeYes, Free

Regulation D

Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your savings account to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings to any other account (including transfers made using Telephone Banking and the fax machine,) preauthorized payments from savings, transfers from savings to any other account using Personal Access Home Banking. Regulation D allows unlimited transfers and withdrawals from a saving account when made by mail, messenger, ATM, or in person, or when such withdrawals are made by telephone provided a check is mailed to the member. Transfers to repay loans at the credit union and to pay safe deposit box rent are also unlimited.

Take the Next Step

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Open a Share Savings account with as little as $10 and become a SPIRE member for life. Experience the SPIRE difference today.

Join SPIRE Now
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