Bank · FDIC insured
SpiritBank Savings Rates
SpiritBank’s best savings rate is 0.75% APY on $10,000, with its Consumer VIP Money Market. Rates checked October 15, 2026.
How SpiritBank’s savings rates compare
Compared with banks and credit unions near Tulsa, OK, where SpiritBank has the most branches. $10,000, best rate first.
This bank’s best
SpiritBank
0.75%APY
- Earns on $10,000 a year
- $75
Consumer VIP Money Market
Top rate
MidFirst Bank
4.00%APY
- Earns on $10,000 a year
- $400
2nd-highest rate
Communication Federal Credit Union
3.75%APY
- Earns on $10,000 a year
- $375
SpiritBank savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.05%
- QualifiedQualified0.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SpiritBank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Consumer VIP Money Market
0.75%APY
Applicants must be 18 years or older. Requires a minimum balance of $5,000. Tiered interest rate as adjusted by bank on daily collected balance. No monthly fee unless balance falls below minimum any time during the month, in which case a $25 charge applies and no interest is paid.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upTier 1: $5,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. | 0.75% | $75 | Tier 1: $5,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. |
| $25,000 and upTier 2: $25,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. | 0.85% | — | Tier 2: $25,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. |
| $75,000 and upTier 3: $75,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. | 0.95% | — | Tier 3: $75,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. |
| $100,000 and upTier 4: $100,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. | 1.05% | — | Tier 4: $100,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. |
| $250,000 and upTier 5: $250,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. | 1.15% | — | Tier 5: $250,000 minimum balance. $25 fee and no interest paid if balance falls below $5,000 during the month. |
Sources (2)
All captured Oct 5, 2026
Personal Savings
Up to 0.45%APY
Tiered interest paid quarterly on daily collected balance. $2.00 charge if balance falls below $100. $1.00 withdrawal fee per quarter after six withdrawals.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTier 1: Minimum $100. | 0.40% | $40 | Tier 1: Minimum $100. |
| $1,000 and upTier 2: Minimum $1,000. | 0.45% | $45 | Tier 2: Minimum $1,000. |
| $25,000 and upTier 3: Minimum $25,000. | 0.50% | — | Tier 3: Minimum $25,000. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Now Account (HSA)
0.75%APY
Applicants must be 18 years or older in order to apply. Interest paid at rate adjusted by bank on daily collected balance above $1,500. No interest paid if balance falls below $1,500. Unlimited check writing. $15 annual check card fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,500 and upDaily balance above $1,500. No interest paid if balance falls below $1,500. Rate may change after account is opened.$1,500 and up | 0.75% | $75 | Daily balance above $1,500. No interest paid if balance falls below $1,500. Rate may change after account is opened. |
Sources (3)
- spiritbank.com/education-center/rates
- spiritbank.com/personal-banking
- spiritbank.com/personal-banking/savings
All captured Oct 5, 2026
Minor Savings Account
0.40%APY
$1.00 charge per withdrawal over six per quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required.Any balance | 0.40% | $40 | No minimum balance required. |
Sources (3)
- spiritbank.com/education-center/rates
- spiritbank.com/personal-banking
- spiritbank.com/personal-banking/savings
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.