What are the current interest rates at Spire Credit Union?

Current rates for Spire Credit Union include: 12-Month CD: 4.00%

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Spire Credit Union Rates & Review March 2026

Item: Spire Credit Union
Rating: 3695
Author: XNQO

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 28, 2026

Spire Credit Union's 12-Month Jumbo CD rates are at 4.00%. MonitorBankRates evaluates the financial stability of Spire Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates were last updated on 03/28/2026.

Spire Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Spire Credit Union? Share your experience about Spire Credit Union by leaving a review below, or read customer reviews before you decide to use Spire Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

Spire Credit Union
SPIRE ADMIN

2025 Larpenteur Ave W
Falcon Heights, MN 55113

https://www.myspire.com

Spire Credit Union CD Rates

Product	Rate	APY	Term	View More
12-Month Jumbo Certificate	-	4.00%	12
Min Deposit $100,000 Details Jumbo Certificate requires a $100,000 Minimum Opening Deposit & Required Minimum to Obtain APY. All dividends are calculated daily and paid quarterly at calendar quarter end and maturity. APY accurate as of 2/23/2026. The APY stated is based on the assumption that dividends will remain on deposit until maturity; a withdrawal of dividends will reduce earnings. At maturity, the certificate will automatically renew under the new current rate and terms of the 12-month Jumbo certificate. Accountholder may be subject to an early withdrawal penalty. Early withdrawal may cause loss of accrued dividends not yet paid. Dividends will begin to accrue on the business day your deposits (including non-cash items/checks) are posted to your account. Dividends will continue to accrue during the Grace Period. Offer subject to termination at any time. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Spire Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Spire Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Spire Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Spire Credit Union

Website https://www.myspire.com

Address 2025 Larpenteur Ave W, Falcon Heights, MN 55113

Phone 651-215-3500

Fax

President Tom Heinzen

CEO Dan Stoltz

Full-Time Employees 621

Part-Time Employees 26

Branch Locations 28

ATM Locations 24

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

Return on Assets (ROA)

0.5873%

Return on Equity (ROE)

6.4609%

Non-Performing Loans Ratio (NPL)

0.60%

Total Assets

4,467,575,718

Total Amount of Shares and Deposits

3,792,545,698

Total Shares and Deposits < 1 Year

3,631,603,213

Total Shares and Deposits 1 3 Years

112,943,021

Total Shares and Deposits > 3 Years

47,999,464

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

271,419,538

Total Uninsured Shares and Deposits > $250K (F+J)

271,419,538

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,521,126,160

Total Interest Expense (Sum of items 6 8)

61,439,115

Share Certificates

30,362

Number of Accounts for Share Drafts

162,572

IRA KEOGH Accounts

10,250

Number of Accounts for Regular Shares

313,153

All other shares

11,497

Non Member Deposits

113

Money Market Shares

19,625

Net Income (unless the amount is already included in Undivided Earnings)

26,237,807

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

347,153,444

Total Liabilities

4,124,172,053

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

XNQO

★★★★★

December 17, 2025

dWqu

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Spire Credit Union

Frequently Asked Questions About Spire Credit Union

Is Spire Credit Union a safe place to deposit money?

Yes, Spire Credit Union is considered a safe financial institution. With a Texas Ratio of 3.6960186786763%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Spire Credit Union operate?

Spire Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Spire Credit Union?

Yes, to access services at Spire Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Spire Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Spire Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Spire Credit Union offer online and mobile banking?

Most modern institutions like Spire Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myspire.com.