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Business Savings Accounts

SPIRE offers an array of business savings options for you to consider. Choose from a Share Savings account, which gives you access to your funds when needed, a Money Market with tiered rates that increase with higher balances or a Certificate with a variety of rates and terms.

Share Savings Budget Savings Money Market
Minimum Balance $250 $0 $2,000
Dividends
View Current Rates     View Current Rates View Current Rates
Monthly Minimum Balance Fee $51 None $7.50
Withdrawal Restrictions*
None
1 free withdrawal per quarter, $7.50 each thereafter
None
Overdraft Protection Available
Yes No Yes


1
The monthly minimum balance fee will be waived if the member has additional shares or loans under the same account number.

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Business Certificates

A Certificate is a way to save with a guaranteed interest rate locked in for the term of the Certificate.  Customize your Certificate by selecting the term and the amount based on your business needs.

Certificate Terms & Levels

Regular Certificate
  • $500 minimum balance
  • 3 to 60 month terms
Premium Certificate
  • $10,000 minimum balance
  • 3 to 60 months
Jumbo Certificate
  • $100,000 minimum balance
  • 12 to 36 months
View Current Certificate Rates

Trade-Up Your Certificate

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. 

Business Health Savings Account (HSA)

HSAs provide a tax-free way to save and pay for qualified medical expenses, thus allowing individuals more control over their healthcare dollars.

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.

See current Service Fee Schedule for additional information.

*Regulation D requires that during any calendar month you may not make more than six withdrawals or transfers from your saving or money market account to another account of yours or to a third party by means of a preauthorize or automatic transfer or telephone order or instruction. Transactions governed by Regulation D include, but are not limited to: automatic transfers from savings or money market to checking for overdraft protection, automatic transfers from saving to any other account, telephone transfers from savings or money market to any other account preauthorize payments from savings, transfers from savings or money market to any other account using Internet Banking.

Regulation D allows unlimited transfers to withdrawals from a saving or money market 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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