Savings Accounts

Begin Your Share Account Today

A savings account with a minimum balance of $5 is all that’s required for Spirit Financial Credit Union membership. This $5 represents your share in the ownership of the credit union and allows you to gain access to all of our valuable products and services.


  • Share savings is a safe and efficient way to accumulate funds
  • Can connect to your Spirit Financial checking account
  • Easy access to your funds through Online Banking, Teller Line or by calling our branch location
  • A great way to make saving automatic when combined with direct deposit
  • Your savings are insured to at least $250,000 by the NCUA

Account activity, per federal regulations, is limited to six automatic or pre-authorized transfers or withdrawals per month. Subject to fee after six transfers. In-person withdrawals or transfers are not limited.

Only $5 is Required to Enjoy the Benefits of Membership.

Account Rates

Effective Date 5/15/2018. Rates Subject to Change.

Account Type APR* APY**
Share Accounts 0.050% 0.050%
Vacation Accounts 0.050% 0.050%
Christmas Accounts 0.050% 0.050%

If you have questions about our share Savings accounts, visit our branch location or call us at (267) 580-0230.