Tammy Kalkwarf has been with SPIRE Credit Union since 2015. She has a proven track record in banking and customer relations, and studied at Minneapolis Community College. Having owned three personal properties and one investment property, she is very familiar with the home buying process and the needs of the consumer. In her free time she enjoys spending time with her husband and two children – they love fishing together. "SPIRE is family to me," says Tammy, "And I want you to be part of OUR family!"