Applying is fast and easy!
You will need the following information in order to complete the application:
Government issued ID/drivers license/State ID or passport with current address
Your complete physical and mailing address
Social Security Number
Date of birth
USA PATRIOT ACT - To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, and record information that identifies each person who opens an account.
Select your eligibility
I live, work, worship, volunteer, attend school or do business in one of the following counties
.
I work for one of the following organizations
I have a family or household member (spouse, blood or adoptive relative, stepparent, stepchild or stepsibling) that is a member of SPIRE.
I am a member of Federated Coops (located anywhere).
None of the above options apply; however, I live in MN or WI
Select at least one of the following products required for membership
Share Savings Account
With a deposit as little as $10, you can be part of SPIRE Credit Union with the SPIRE Share Savings account. It is also the perfect account to start saving for a rainy day. No minimum balance fee.
Free checking accounts are not a thing of the past. At SPIRE, a free checking account truly is free. No monthly maintenance fees or minimum balance requirements.
APY: 0.00%Min Deposit: $100.00
St. Cloud Rox Checking
With your SPIRE St. Cloud Rox Checking account, you will receive an exclusive Rox Visa Debit card.
APY: 0.00%Min Deposit: $50.00
St. Paul Saints Checking
With your SPIRE St. Paul Saints Free Checking account, you will receive an exclusive Saints Visa Debit card and a voucher for two tickets to a Saints game (mailed separately).
APY: 0.00%Min Deposit: $50.00
Checking Plus
A great dividend-earning checking account option. Minimum daily balance of $2,000 required. Two free ATM withdrawals per monthly statement cycle at non-proprietary machines.
APY: 0.05%Min Deposit: $100.00
APY (Annual Percentage Yield)
Your Selected Products
I want SPIRE to authorize and pay overdrafts on my everyday debit card transactions. Reg E Courtesy Pay (C.P.) for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item.*
Yes
No
I want SPIRE to authorize and pay overdrafts on my everyday debit card transactions. Reg E Courtesy Pay (C.P.) for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item.*
Yes
No
I want SPIRE to authorize and pay overdrafts on my everyday debit card transactions. Reg E Courtesy Pay (C.P.) for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item.*
Yes
No
I want SPIRE to authorize and pay overdrafts on my everyday debit card transactions. Reg E Courtesy Pay (C.P.) for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item.*
Yes
No
I want SPIRE to authorize and pay overdrafts on my everyday debit card transactions. Reg E Courtesy Pay (C.P.) for debit cards transactions is separate and a member must Opt-In in order to obtain approval before allowing payment of one time debit card purchases that may create an overdraft. For debit card transactions, you must have previously opted-in or the transaction will be declined. SPIRE will not charge a fee if the available account balance is overdrawn by less than $10, if you are opted-in for Reg E C.P.A fee will be charged each time the item is submitted for payment. This may result in multiple fees charged for the same item.*
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
This modal is for testing the Apple Pay workflow only. It will not be displayed to the applicants. Press the Success button to simulate a successful Apple Pay transaction. Press the Fail button to simulate an unsuccessful Apple Pay transaction.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.
Are you subject to backup withholding? You may be subject to backup withholding if you have been notified that you failed to provide a correct taxpayer identification number (TIN) when required or if you fail to report interest, dividend, or patronage dividend income.*
Within the last twelve (12) months, have you had a checking or draft account subject to withdrawal by negotiable instrument?*
Yes if so, where?*
Within the last twelve (12) months, has any financial institution involuntarily closed your checking account?*
Yes if so, why*
Within the last twenty-four (24) months, have you been convicted of a criminal offense involving the use of a check or similar instrument?*
System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.
Are you subject to backup withholding? You may be subject to backup withholding if you have been notified that you failed to provide a correct taxpayer identification number (TIN) when required or if you fail to report interest, dividend, or patronage dividend income.*
Within the last twelve (12) months, have you had a checking or draft account subject to withdrawal by negotiable instrument?*
Yes if so, where?*
Within the last twelve (12) months, has any financial institution involuntarily closed your checking account?*
Yes if so, why*
Within the last twenty-four (24) months, have you been convicted of a criminal offense involving the use of a check or similar instrument?*
Are you subject to backup withholding? You may be subject to backup withholding if you have been notified that you failed to provide a correct taxpayer identification number (TIN) when required or if you fail to report interest, dividend, or patronage dividend income.*
Within the last twelve (12) months, have you had a checking or draft account subject to withdrawal by negotiable instrument?*
Yes if so, where?*
Within the last twelve (12) months, has any financial institution involuntarily closed your checking account?*
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