SPIRE

2025 Larpenteur Ave W
Falcon Heights, MN 55113

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 1.50% 2.20% →
2-Year CD 1.80% 2.20% →
5-Year CD 2.45% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Spire is an NCUA insured institution located in Falcon Heights, MN. It was founded in 1934 and has approximately $1120.95 millions in assets.

NCUA Insured Yes
Charter Number # # 68651
Date Established 1934
Assets $1,120.95 million
Loans $935.20 million
Deposits $1,008.95 million
Capital $100.56 million
 

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.

Deposit Rates - February 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.20% $1 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $19,999 Learn MoreShow Less
Money Market
0.30% $20,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.40% $500 $9,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.65% $10,000 - Learn MoreShow Less
6 Mo CD
0.80% $10,000 - Learn MoreShow Less
1.50% $10,000 $99,999 Learn MoreShow Less
12 Mo CD
1.50% $100,000 - Learn MoreShow Less
18 Mo CD
1.70% $10,000 - Learn MoreShow Less
1.80% $10,000 $99,999 Learn MoreShow Less
24 Mo CD
1.80% $100,000 - Learn MoreShow Less
1.90% $10,000 $99,999 Learn MoreShow Less
48 Mo CD
2.15% $10,000 - Learn MoreShow Less
60 Mo CD
2.45% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - February 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPIRE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.375% 3.375% 0.00 ($22) $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to SPIRE
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Spire branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Spire Locations


Financial Details

Spire Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spire. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Spire U.S. Average
1.03% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Spire had $1,025,723 in non-current loans and $52,187 in owned assets. To cover these potential losses it had $100,556,379 in net worth and $3,773,158 in loans loss reserves. That gives it a Texas Ratio of 1.03%.

Net Worth
Spire U.S. Average
9.18% 13.65%

Spire FCU has a net worth of 9.18% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Spire

Branches and Savings

What is Spire?

A federal credit union, registered with the NCUA under certificate #68651.
Learn more about credit unions here.

Is Spire FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Spire?

Please see Field of Membership information above for information on who is eligible to join.

What are Spire's share account and share certificate rates?

Spire's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Spire?

Spire has total capital of $100.56 million. Full information on Spire's financial position is located above.

Who owns Spire?

Credit Unions are owned by their members.

Where are Spire branches located?

See branch locations nearby.

Are Spire ATMs Open 24/7?

Do Spire ATMs accept cash deposits?

Can Spire customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Spire have a mobile app?

Does Spire have mobile deposit?

Does Spire have quick pay?

How can Spire transfer money to other banks or credit unions?

Does Spire report to credit bureaus?

Does Spire use Chexsystems?

Does Spire use Equifax?

What is Spire's toll free phone number?

What is Spire's ACH Routing Number?

What is Spire's SWIFT code?

Where can I find Spire's wire transfer form?

What is the Spire address for deposits?

What Products Does Spire Offer

Does Spire offer mortgages?

Compare mortgage rates here.

Does Spire offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spire offer auto and RV loans?

Compare auto loan rates here.

Does Spire offer student loans or personal loans?

Compare personal loan rates here.

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