651.215.3500 | 888.34.SPIRE | Contact SPIRE

midwestern values tagline

 Experience the difference.

 ducks checking icon
"Get your ducks in a row."

Open a SPIRE Checking Account & receive...$1001
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"Dig into your home's equity."

Rates as low as 3.25% APR for a 15 year-term.2 

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Beat Your Rate Icon

Beat Your Rate. "

SPIRE guarantees we will beat your current auto loan rate or we'll give you $25*
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1*Offer valid to persons with no prior checking relationship with SPIRE in the last 12 months. $100 minimum balance required to open checking account. To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 5 SPIRE check 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 04.01.16 - 6.31.16. Subject to termination at any time. Other conditions and restrictions may apply. Federally Insured by NCUA.

2*Rate disclosed includes a .25% discount for automatic payment and assumes first lien position. Principal & interest payment on a 15-year loan at 3.25% APR is $210.84 per month based on loan amount of $30,000. SPIRE does not escrow for taxes or insurance. Payment estimates do not include taxes or insurance; actual payments may be higher.  Maximum $500,000 loan amount for senior lien. Maximum loan amount $200,000 for junior lien. Maximum combined loan to value is 80%. Minimum loan amount is $10,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary residence. Property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded.  SPIRE will pay closing costs in excess of $500, excluding fees incurred for subordinations. Offer subject to termination at any time. Rates and terms are subject to qualification. Borrower must meet membership requirements to qualify. Interest rate is subject to change at any time. Other restrictions may apply. See your tax advisor for details regarding interest deductibility. Federally Insured by NCUA.

3*Offer valid on auto loans currently financed with a lender other than SPIRE. SPIRE will beat the interest rate from another financial institution by at least 0.25% with a minimum interest rate floor of 1.75% APR. Promotional 0% interest loans do not qualify. Minimum amount financed must be $5,000. Must provide verification of current interest rate at other financial institution to qualify. Loans subject to credit approval. Members will receive $25 deposited to their account within 30 days of application if SPIRE cannot approve the loan, beat the existing interest rate by at least 0.25% and approve the loan under the current structured terms they currently reside under. Offer subject to change without notice. Other terms and conditions may apply. Must be a SPIRE Credit Union member. Member responsible for any applicable taxes.