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Overview / Commentary
2025 Larpenteur Ave W
Falcon Heights, MN 55113

Spire Credit Union is headquartered in Falcon Heights and is the 7th largest credit union in the state of Minnesota. It is also the 302nd largest credit union in the nation. It was established in 1934 and as of December of 2016, it had grown to 213 employees and 92,110 members at 18 locations. Spire Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Spire Credit Union is open to all residents of Minnesota and Wisconsin, as well as the employees of the Credit Union, affiliated Select Employee Groups, and immediate family and household members of current Credit Union members.
See current membership details

Related Posts

SPIRE CU (MN/WI) Offers $100 Free Checking Account Bonus - 10/27/2016

SPIRE Credit Union (MN/WI) is offering a $100 bonus when opening a new Free Checking account, now through December 31, 2016. MInimum opening deposit is $100.

$100 Checking Account Bonus - Minnesota & Wisconsin - 10/17/2016

Open a SPIRE Free Checking Account and Receive $100 To qualify for $100 offer, account holder must set up an Automatic Payment or Direct Deposit and make a total of 5 SPIRE debit card transactions within 60 days Expires 12-31-16 Promotion link

Reviews (2)

Terrible Bank-Not Worth It

Spire bank is horrible. The previous reviewer was absolutely correct. They have no idea what they are doing. None of them can tell you Spire policy information or do the right thing. They make mistakes, charge you for it and then when you call to point out the mistake and assert the right to have your money back they close your accounts. They don't want to hear complaints and when a customer lets them know about their screw ups, they will retaliate and complain about the fact that you complain. Very unprofessional. Charge you fees that you do not owe. Create reasons to charge you fees (losing your debit card in the mail, etc.) and then get mad when you make them fix it. What a horrible bank. Hopefully, they will go out of business and you won't have to ever deal with them.

Biggest Waste Of Time

Posted by: Kai | Jan 2, 2013

These idiots have no idea what they are doing.  I spoke with a representative, and she didn't know what a secured loan was, and she wasted a week and a half of my time while she tried to process my car loan.  Eventually, I couldn't wait any longer so I just told them to forget it, called Wells Fargo and had things done in 2 days.  Save yourself the trip and find a different bank.


Health Grade Components

NCUA #68651
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD5.23%
Annual Interest Income$22.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$893.9MM$825.6MM
LoansQ4 2016vs Q4 2015$606.3MM$519.5MM
DepositsQ4 2016vs Q4 2015$808.7MM$747.9MM
Equity CapitalQ4 2016vs Q4 2015$78.0MM$72.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$2.8MM$2.5MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.7MM$1.1MM
Real Estate OwnedQ4 2016vs Q4 2015$263.00K$422.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Spire Credit Union Savings Account Rates

0.15%--Holiday Savings Club
0.15%--Budget Savings
0.15%--Panda Pal Club
0.15%--Teen Savings
0.15%--Business Budget Savings
0.10%*$2k*-Share Savings
OTHER TIERS: 0.05% $100 - $2k
0.10%--Health Savings Account
0.10%*$2k*-Business Savings
OTHER TIERS: 0.05% $100 - $2k
0.10%--Business HSA Savings
0.10%--HSA Business Checking
0.10%--HSA Checking

Spire Credit Union Money Market Rates

0.25%*$50k*-Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $20k | 0.20% $20k - $50k
0.25%*$50k*-IRA Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $20k | 0.20% $20k - $50k
0.25%*$50k*-Business Money Market
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $20k | 0.20% $20k - $50k

Spire Credit Union Checking Account Rates

0.10%$5k-Premium Business Checking
0.05%--Checking Plus
0.05%--55 Plus
0.05%$1,500-Preferred Business Checking

Spire Credit Union CD Rates

1.25%$10k-60 Month Premium CD
1.24%$10k-Business 60 Month Premium CD
1.15%$500-60 Month CD
1.14%$500-Business 60 Month CD
1.00%$10k-48 Month Premium CD
1.00%$10k-Business 48 Month Premium CD
0.90%$500-48 Month CD
0.90%$500-Business 48 Month CD
0.75%$10k-36 Month Premium CD
0.75%$100k-36 Month Jumbo CD
0.75%$100k-Business 36 Month Jumbo CD
0.75%$10k-Business 36 Month Premium CD
0.65%$500-36 Month CD
0.65%$500-Business 36 Month CD
0.60%$10k-27 Month Premium CD
0.60%$10k-Business 27 Month Premium CD
0.50%$500-27 Month CD
0.50%$10k-24 Month Premium CD
0.50%$100k-24 Month Jumbo CD
0.50%$100k-Business 24 Month Jumbo CD
0.50%$10k-Business 24 Month Premium CD
0.50%$500-Business 27 Month CD
0.40%$500-24 Month CD
0.40%$10k-18 Month Premium CD
0.40%$10k-Business 18 Month Premium CD
0.40%$500-Business 24 Month CD
0.30%$500-18 Month CD
0.30%$10k-12 Month Premium CD
0.30%$100k-12 Month Jumbo CD
0.30%$100k-Business 12 Month Jumbo CD
0.30%$10k-Business 12 Month Premium CD
0.30%$500-Business 18 Month CD
0.25%$10k-6 Month Premium CD
0.25%$10k-Business 6 Month Premium CD
0.20%$500-12 Month CD
0.20%$10k-3 Month Premium CD
0.20%$10k-Business 3 Month Premium CD
0.20%$500-Business 12 Month CD
0.15%$500-6 Month CD
0.15%$500-Business 6 Month CD
0.10%$500-3 Month CD
0.10%$500-Business 3 Month CD

Spire Credit Union has 18 locations. Click to view all Spire Credit Union locations.