Spire Credit Union

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

Spire Credit Union is headquartered in Falcon Heights and is the 5th largest credit union in the state of Minnesota. It is also the 207th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 357 employees and 157,204 members at 23 locations. Spire Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Spire Credit Union is open to all residents of Minnesota and Wisconsin by joining the InSPIREation Foundation. Employees of more than 400 Select Employee Groups are also eligible to join, as are immediate family and household members of current Spire Credit Union members.
See current membership details

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: |

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: |

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 - YTD0.54%
Return on Equity - YTD7.46%
Annual Interest Income$35.6MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.19B$2.10B
LoansQ2 2023vs Q2 2022$1.50B$1.48B
DepositsQ2 2023vs Q2 2022$1.92B$1.94B
Equity CapitalQ2 2023vs Q2 2022$157.2MM$145.8MM
Loan Loss AllowanceQ2 2023vs Q2 2022$5.5MM$5.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$5.6MM$4.4MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Spire Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.30%--Holiday Savings Club
0.30%--Budget Savings
0.30%--Puppy Pal Club
0.30%--Teen Savings
0.30%--Health Savings Account
0.30%--Business Budget Savings
0.30%--Business HSA Savings
0.30%--HSA Checking
0.15%--Union Vacation Share
0.10%*$2k*-Share Savings
OTHER TIERS: 0.05% $100 - $2k
0.10%*$2k*-Business Savings
OTHER TIERS: 0.05% $100 - $2k
0.10%*$2k*-Secondary Share Savings
OTHER TIERS: 0.05% $100 - $2k

Spire Credit Union Money Market Rates

3.25%*$1m*-Money Market
OTHER TIERS: 1.30% Up to $100k | 1.55% $100k - $250k | 2.10% $250k - $500k | 2.75% $500k - $1m
3.25%*$1m*-IRA Money Market
OTHER TIERS: 1.30% Up to $100k | 1.55% $100k - $250k | 2.10% $250k - $500k | 2.75% $500k - $1m
3.25%*$1m*-Business Money Market
OTHER TIERS: 1.30% Up to $100k | 1.55% $100k - $250k | 2.10% $250k - $500k | 2.75% $500k - $1m

Spire Credit Union Checking Account Rates

0.10%$5k-Premium Business Checking
0.05%--Checking Plus
0.05%--55 Plus
0.05%$1.5k-Preferred Business Checking

Spire Credit Union CD Rates

5.20%$100k-12 Month Jumbo CD Special
5.20%$100k-12 Month Jumbo HSA Certificate Special
5.20%$100k-Business 12 Month Jumbo CD Special
5.00%$10k-12 Month Premium CD
5.00%$10k-Business 12 Month Premium CD
5.00%$10k-12 Month Premium HSA Certificate
4.90%$500-12 Month CD
4.90%$500-Business 12 Month CD
4.90%$500-12 Month HSA Certificate
4.00%$10k-18 Month Premium CD
4.00%$10k-Business 18 Month Premium CD
4.00%$10k-18 Month Premium HSA Certificate
3.95%$100k-24 Month Jumbo CD
3.95%$100k-Business 24 Month Jumbo CD
3.95%$100k-24 Month Jumbo HSA Certificate
3.90%$500-18 Month CD
3.90%$500-Business 18 Month CD
3.90%$500-18 Month HSA Certificate
3.75%$10k-6 Month Premium CD
3.75%$10k-24 Month Premium CD
3.75%$10k-Business 6 Month Premium CD
3.75%$10k-Business 24 Month Premium CD
3.75%$10k-6 Month Premium HSA Certificate
3.75%$10k-24 Month Premium HSA Certificate
3.70%$100k-36 Month Jumbo CD
3.70%$100k-Business 36 Month Jumbo CD
3.70%$100k-36 Month Jumbo HSA Certificate
3.65%$500-6 Month CD
3.65%$500-24 Month CD
3.65%$500-Business 6 Month CD
3.65%$500-Business 24 Month CD
3.65%$500-6 Month HSA Certificate
3.65%$500-24 Month HSA Certificate
3.50%$10k-3 Month Premium CD
3.50%$10k-36 Month Premium CD
3.50%$10k-Business 3 Month Premium CD
3.50%$10k-Business 36 Month Premium CD
3.50%$10k-3 Month Premium HSA Certificate
3.50%$10k-36 Month Premium HSA Certificate
3.40%$500-3 Month CD
3.40%$500-36 Month CD
3.40%$500-Business 3 Month CD
3.40%$500-Business 36 Month CD
3.40%$500-3 Month HSA Certificate
3.40%$500-36 Month HSA Certificate
3.25%$10k-48 Month Premium CD
3.25%$10k-60 Month Premium CD
3.25%$10k-Business 48 Month Premium CD
3.25%$10k-Business 60 Month Premium CD
3.25%$10k-48 Month Premium HSA Certificate
3.25%$10k-60 Month Premium HSA Certificate
3.15%$500-48 Month CD
3.15%$500-60 Month CD
3.15%$500-Business 48 Month CD
3.15%$500-Business 60 Month CD
3.15%$500-48 Month HSA Certificate
3.15%$500-60 Month HSA Certificate

Spire Credit Union IRA Rates

5.20%$100k-12 Month Jumbo IRA Special
5.00%$10k-12 Month Premium IRA
4.90%$500-12 Month IRA
4.00%$10k-18 Month Premium IRA
3.95%$100k-24 Month Jumbo RA
3.90%$500-18 Month IRA
3.75%$10k-6 Month Premium IRA
3.75%$10k-24 Month Premium IRA
3.70%$100k-36 Month Jumbo IRA
3.65%$500-24 Month IRA
3.65%$500-6 Month IRA
3.50%$10k-3 Month Premium IRA
3.50%$10k-36 Month Premium IRA
3.40%$500-36 Month IRA
3.40%$500-3 Month IRA
3.25%$10k-48 Month Premium IRA
3.25%$10k-60 Month Premium IRA
3.15%$500-60 Month IRA
3.15%$500-48 Month IRA


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