SPIRE Share Savings Account Benefits

  • Earn dividends on balances over $100 (Accountholders under 18 years of age earn dividends on balances $10 or over)
  • No minimum balance fee
  • Overdraft Protection qualifying account*
  • Free eStatements available
  • Free SPIRE Internet Banking & Mobile app account access

Rates0.00-0.10% APY*


$0 to $99.99

0.00 Dividend

0.00 APY*

$100 to $1,999.99

0.05 Dividend

0.05 APY*

$2,000 and Greater

0.10 Dividend

0.10 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.

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photo of SPIRE Roseville


Open a SPIRE Share Savings account today with just a $10 deposit at your nearest SPIRE Branch!



*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.


Driven by


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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Current Promotions

Find out how you can save money today.


Get paid $100 today when. you open a SPIRE Free Checking Account.  Ask for details

*Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum deposit required to open Free checking account. $50 minimum deposit required to open a Saints or Teen checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 6 SPIRE debit card transactions within 60 days. Account must remain open for six months. $100 will be deposited to the checking account upon account opening. If all requirements of offer are not met, SPIRE reserves the right to reclaim the $100. Account holder responsible for any applicable taxes. Limited time offer valid 4.1.18 - 6.30.18. Subject to termination at any time. Other conditions and restrictions may apply.