Share Savings

With a deposit as little as $10, you can be part of SPIRE Credit Union with the SPIRE Share Savings account.

Take the Next Step

Join SPIRE Now
Book an Appointment

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

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.

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Earn Dividends

A SPIRE Share Savings account means
you share in a part of the ownership of the credit union.

As an owner-member of SPIRE,
you earn dividends on balances over $100.

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No Minimum Balance Fee

You can also link your SPIRE Share Savings account
to other SPIRE accounts for overdraft protection.

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Easily Move Money

When you've met your savings goal, you can quickly
transfer money to other SPIRE or external accounts.

Your can transfer money for free from SPIRE Digital Banking,
a free SPIRE ATM, or stop into one of our SPIRE branches.

Free SPIRE Digital Banking

Securely manage your SPIRE accounts from anywhere with
free access to SPIRE Digital Banking and the SPIRE Mobile app.

Free services include BillPay, eStatements, transfers, direct deposit, digital wallet, and check deposit. 

Learn more about SPIRE Digital Banking


Share Savings+Rates Effective: 12/1/2023

Dividend APY*
$0 to $99.990.0000.00
$100 to $1,999.990.0500.05
$2,000 and Greater0.1000.10

VIEW ALL RATES View all Rates icon
*Annual Percentage Yield.
+$10 minimum balance to open account.
At our discretion, dividend rates are subject to change on the first business day of each quarter (unless otherwise noted).

Truth in Savings Disclosure

Compare Your Options

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Whatever you're saving for, SPIRE can help get you there.

Compare Savings Options

Calculate Your Savings

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Find out how much you could save with monthly deposits.

Financial Calculators

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Puppy Pal Savings Accounts

SPIRE's mascot, Cash the Dog, makes
saving fun for kids 12 years old and younger.

Learn about becoming a Puppy Pal

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Teen Savings Account

A savings account designed to help teens start off on the right financial foot. 

Learn more about Teen Savings


See current Service Fee Schedule for additional information. Fees may reduce earnings.

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.

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