Spire Credit Union
Headquarters
2025 Larpenteur Ave W
Falcon Heights, MN 55113
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2024 Overview
General Credit Union Information
Spire is an NCUA insured institution located in Falcon Heights, MN. It was founded in 1934 and has approximately $2167.29 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68651 |
| Date Established | 1934 |
| Assets | $2,167.29 million |
| Loans | $1,491.49 million |
| Deposits | $1,984.48 million |
| Capital | $169.47 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 - April 24, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.20% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 24, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.608% | 6.500% | 0.88 | $3,600 | $2,023 | Learn More |
NMLS ID: 2059741 |
6.894% | 6.750% | 0.88 | $4,746 | $2,076 | Learn More |
NMLS ID: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Spire
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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:
Columbus,Ohio
Climate Policy and Initiatives
SPIRE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 6.44% | 6.97 |
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 December 31, 2023, Spire had $9,604,104 in non-current loans and $1,653,243 in owned assets. To cover these potential losses it had $169,474,428 in net worth and $5,450,430 in loans loss reserves. That gives it a Texas Ratio of 6.44%.
Net Worth
| Spire | U.S. Average |
|---|---|
| 7.82% | 13.62% |
Spire FCU has a net worth of 7.82% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Spire
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