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Overview / Commentary
651-215-3500
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 292nd largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 245 employees and 100,254 members at 19 locations. Spire Credit Union's money market rates are 2X the national average, and it 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.
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Reviews (4)

Spire Credit Union - I Am a Fan!

My husband and I chose to move from a large, national bank last year to a local credit union, Spire. I had heard a lot of good things about Spire for a few years by this point, and we were tired of the poor customer service and other bad things happening with the bank we were with. I cannot say enough good things about our experience with Spire, from the process to move our accounts to them to the day to day experience we get now.

Spire made it a very smooth and easy process to open new accounts with them, and it was easy to get started. I am very pleased with lower fees than we had before, as well as a better interest rate for a savings account with a relatively small balance, which was not an option at the larger bank.

A big thing for me is customer service, and I cannot say enough about Spire in this area! They were welcoming and helpful from the first moment we walked through their doors, and they now greet both me and my husband by name when we walk into our local branch. They offer help with anything we need in regards to our accounts, and they often offer extra suggestions of how to use their services better or things to make things easier for us.

Waste Of Time For Small Business Owner.

Posted by: mnbloom | Nov 5, 2017

It was a big disappointment when they promised a three to four day decision on a business loan they took seventeen days to give a answer. I don't believe their business lending department is up to expectations of a small business group.Especially if you are looking to borrow several hundred thousand dollars. They are not a good choice of lender in lending big money even with adequate collateral.. I should have never wasted my time with their overly conservative approach to my financial needs.Even with my excellent credit, long term business history and large account holder status was not any help. At the end they decided to refer me to their competitor. If you are self employed or a small business owner, I don't believe The Spire is the place for you.…

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

Health Grade Components

Overall
NCUA #68651
Year Chartered1934
Employees245
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD8.31%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.03B$932.2MM
LoansQ1 2018vs Q1 2017$784.4MM$635.4MM
DepositsQ1 2018vs Q1 2017$925.9MM$847.0MM
Equity CapitalQ1 2018vs Q1 2017$88.0MM$79.5MM
Loan Loss AllowanceQ1 2018vs Q1 2017$3.3MM$2.6MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$2.0MM$2.3MM
Real Estate OwnedQ1 2018vs Q1 2017$187.00K$259.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Checking

Spire Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Money Market
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $20k | 0.30% $20k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k | 0.75% $500k - $1mm
1.00%*$1m*-IRA Money Market
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $20k | 0.30% $20k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k | 0.75% $500k - $1mm
1.00%*$1m*-Business Money Market
OTHER TIERS: 0.20% Up to $10k | 0.25% $10k - $20k | 0.30% $20k - $50k | 0.35% $50k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k | 0.75% $500k - $1mm

Spire Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Premium Business Checking
0.05%--Checking Plus
0.05%--55 Plus
0.05%--Preferred Business Checking

Spire Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$10k-60 Month Premium CD
2.25%$10k-Business 60 Month Premium CD
2.25%$10k-60 Month Premium HSA Certificate
2.15%$500-60 Month CD
2.15%$500-Business 60 Month CD
2.15%$500-60 Month HSA Certificate
2.00%$500-27 Month CD
2.00%$10k-27 Month Premium CD
2.00%$500-Business 27 Month CD
2.00%$10k-Business 27 Month Premium CD
2.00%$500-27 Month HSA Certificate
2.00%$10k-27 Month Premium HSA Certificate
1.90%$10k-48 Month Premium CD
1.90%$10k-Business 48 Month Premium CD
1.90%$10k-48 Month Premium HSA Certificate
1.80%$500-48 Month CD
1.80%$500-Business 48 Month CD
1.80%$500-48 Month HSA Certificate
1.55%$10k-36 Month Premium CD
1.55%$100k-36 Month Jumbo CD
1.55%$100k-Business 36 Month Jumbo CD
1.55%$10k-Business 36 Month Premium CD
1.55%$100k-36 Month Jumbo HSA Certificate
1.55%$10k-36 Month Premium HSA Certificate
1.45%$500-36 Month CD
1.45%$500-Business 36 Month CD
1.45%$500-36 Month HSA Certificate
1.30%$10k-24 Month Premium CD
1.30%$100k-24 Month Jumbo CD
1.30%$100k-Business 24 Month Jumbo CD
1.30%$10k-Business 24 Month Premium CD
1.30%$100k-24 Month Jumbo HSA Certificate
1.30%$10k-24 Month Premium HSA Certificate
1.20%$500-24 Month CD
1.20%$500-Business 24 Month CD
1.20%$500-24 Month HSA Certificate
1.15%$10k-18 Month Premium CD
1.15%$10k-Business 18 Month Premium CD
1.15%$10k-18 Month Premium HSA Certificate
1.05%$500-18 Month CD
1.05%$500-Business 18 Month CD
1.05%$500-18 Month HSA Certificate
0.95%$10k-12 Month Premium CD
0.95%$100k-12 Month Jumbo CD
0.95%$100k-Business 12 Month Jumbo CD
0.95%$10k-Business 12 Month Premium CD
0.95%$100k-12 Month Jumbo HSA Certificate
0.95%$10k-12 Month Premium HSA Certificate
0.85%$500-12 Month CD
0.85%$500-Business 12 Month CD
0.85%$500-12 Month HSA Certificate
0.70%$10k-6 Month Premium CD
0.70%$10k-Business 6 Month Premium CD
0.70%$10k-6 Month Premium HSA Certificate
0.60%$500-6 Month CD
0.60%$500-Business 6 Month CD
0.60%$500-6 Month HSA Certificate
0.55%$10k-3 Month Premium CD
0.55%$10k-Business 3 Month Premium CD
0.55%$10k-3 Month Premium HSA Certificate
0.45%$500-3 Month CD
0.45%$500-Business 3 Month CD
0.45%$500-3 Month HSA Certificate

Spire Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$10k-60 Month Premium IRA
2.15%$500-60 Month IRA
2.00%$500-27 Month IRA
2.00%$10k-27 Month Premium IRA
1.90%$10k-48 Month Premium IRA
1.80%$500-48 Month IRA
1.55%$10k-36 Month Premium IRA
1.55%$100k-36 Month Jumbo IRA
1.45%$500-36 Month IRA
1.30%$10k-24 Month Premium IRA
1.30%$100k-24 Month Jumbo RA
1.20%$500-24 Month IRA
1.15%$10k-18 Month Premium IRA
1.05%$500-18 Month IRA
0.95%$10k-12 Month Premium IRA
0.95%$100k-12 Month Jumbo IRA
0.85%$500-12 Month IRA
0.70%$10k-6 Month Premium IRA
0.60%$500-6 Month IRA
0.55%$10k-3 Month Premium IRA
0.45%$500-3 Month IRA
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