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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 307th largest credit union in the nation. It was established in 1934 and as of December of 2015, it had grown to 202 employees and 87,645 members at 18 locations. Spire Credit Union has an A health rating.

Field of Membership Restrictions

Spire Federal Credit Union of Minnesota is open to any and every resident of Minnesota and Wisconsin as well as the employees of the credit union affiliated select employee groups, and the family members of anyone that is presently a credit union member.
See current membership details

Reviews (1)

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
A

Health Grade Components

Overall
NCUA #68651
Year Chartered1934
Employees202
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD4.79%
Annual Interest Income$21.1MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$825.6MM$777.7MM
LoansQ4 2015vs Q4 2014$519.5MM$494.3MM
DepositsQ4 2015vs Q4 2014$747.9MM$703.5MM
Equity CapitalQ4 2015vs Q4 2014$72.7MM$69.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$2.5MM$2.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$1.1MM$1.2MM
Real Estate OwnedQ4 2015vs Q4 2014$422.00K$1.1MM
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 Business Checking
0.10%--HSA Checking

Spire Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$10k-60 Month Premium CD
1.25%$10k-Business 60 Month Premium CD
1.15%$500-60 Month CD
1.15%$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
Locations

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