SPIRE Money Market Savings Account Benefits

  • No minimum balance required to earn dividends
  • Get two free ATM withdrawals per monthly statement cycle at non-proprietary machines
  • Free SPIRE Internet Banking & Mobile app account access 
  • Overdraft Protection qualifying account*
  • $2,500 minimum daily balance required to avoid monthly minimum balance fee

IRA Money Market Accounts

Money Market accounts are also available for Traditional and Roth IRAs with no fees (administrative and maintenance fees are waived).

IRA Money Market Options

Rates0.20-1.00% APY*


$0 to $9,999.99

0.20 Dividend

0.20 APY*

$10,000 to $19,999.99

0.25 Dividend

0.25 APY*

$20,000 to $49,999.99

0.30 Dividend

0.30 APY*

$50,000 to $99,999.99

0.35 Dividend

0.35 APY*

$100,000 to $249,999.99

0.40 Dividend

0.40 APY*

$250,000 to $499,999.99

0.50 Dividend

0.50 APY*

$500,000 to $999,999.99

0.75 Dividend

0.75 APY*

$1,000,000 and Greater

1.00 Dividend

1.00 APY*

View our 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).
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Whatever you are saving for, SPIRE has a savings account option to help you get there.

man canoeing at sunset
photo of SPIRE Roseville


Open a SPIRE Money Market account today at your nearest SPIRE Branch!


Is my money insured?

Yes. Your deposits are federally insured and backed by full faith and credit of the United States Government up to $250,000.


*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 to 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.

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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.

Contact SPIRE.

We are here to improve lives.

651.215.3500 or 888.34.SPIRE

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SPIRE's Signature Visa - No Annual Fee. Great Rate. Rewards