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Spero Financial


Overview / Commentary
spero.financial
864-232-5553
420 E Park Ave
Greenville, SC 29601

Spero Financial is headquartered in Greenville and is the 11th largest credit union in the state of South Carolina. It is also the 658th largest credit union in the nation. It was established in 1935 and as of September of 2021, it had grown to 157 employees and 57,639 members at 10 locations. Spero Financial's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Spero Financial is open to those who live, work, worship, volunteer, or attend school in the South Carolina counties of Anderson, Columbia, Easley, Greenville, Simpsonville, Spartanburg, or Taylors. Immediate family and household members of current members and individuals who are eligible to join also qualify for membership. South Carolina residents who join the South Carolina Wildlife Federation ($25 donation) are eligible to join.
See current membership details

Related Posts

Spero Financial (SC) Offers Kasasa Brand Products Statewide - 2/18/2021

Spero Financial (SC) offers its Kasasa Cash checking account and Kasasa Savings savings account statewide. Both accounts offer very competitive rates.

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Health
A

Data as of Q3 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #361
Year Chartered1935
Employees157
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD7.96%
Annual Interest Income$16.6MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$544.7MM$418.4MM
LoansQ3 2021vs Q3 2020$413.9MM$319.0MM
DepositsQ3 2021vs Q3 2020$483.4MM$360.8MM
Equity CapitalQ3 2021vs Q3 2020$56.8MM$50.8MM
Loan Loss AllowanceQ3 2021vs Q3 2020$2.9MM$4.7MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$1.6MM$2.9MM
Real Estate OwnedQ3 2021vs Q3 2020$30.00K$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Spero Financial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Spero Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%-$100kKasasa Saver
0.55%*$5k*-IRA Savings
OTHER TIERS: 0.20% → Up to $5k
0.55%--Educational IRA Savings
0.15%*$10k*-Share Savings Account
OTHER TIERS: 0.05% → $250 - $2.5k | 0.10% → $2.5k - $10k
0.10%--Christmas Club Savings
0.10%--Vacation Share Savings
0.05%--Health Savings Account

Spero Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$500k*-Money Market Account
OTHER TIERS: 0.05% → $2.5k - $10k | 0.10% → $10k - $50k | 0.20% → $50k - $100k | 0.35% → $100k - $250k | 0.45% → $250k - $500k

Spero Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$15kKasasa Cash Account
OTHER TIERS: 0.25% → $15k+
0.05%--Rewards Checking Account
0.05%$1.5k-Aspire Checking

Spero Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-48 Month CD
0.90%$250-48 Month Junior CD
0.80%$500-36 Month CD
0.80%$250-36 Month Junior CD
0.75%$500-30 Month CD
0.75%$250-30 Month Junior CD
0.70%$500-24 Month CD
0.70%$250-24 Month Junior CD
0.65%$500-18 Month CD
0.65%$250-18 Month Junior CD
0.60%$500-12 Month CD
0.60%$250-12 Month Junior CD
0.55%$25-12 Month Save to Win Certificate
0.40%$500-6 Month CD
0.40%$250-6 Month Junior CD

Spero Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-48 Month IRA
0.90%$250-48 Month CESA
0.80%$500-36 Month IRA
0.80%$250-36 Month CESA
0.75%$500-30 Month IRA
0.75%$250-30 Month CESA
0.70%$500-24 Month IRA
0.70%$250-24 Month CESA
0.65%$500-18 Month IRA
0.65%$250-18 Month CESA
0.60%$500-12 Month IRA
0.60%$250-12 Month CESA
Locations


Cities: Anderson, Columbia, Easley, Greenville, Simpsonville, Spartanburg, Taylors

Anderson Branches
Branch Office1720 N Main StAnderson, SC 29621
Branch Office1434 Pearman Dairy RdAnderson, SC 29625
Branch Office100 Hanna XingAnderson, SC 29621

Columbia Branches
Branch Office1025 Pulaski StColumbia, SC 29201

Easley Branches
Branch Office118 Brushy Creek RdEasley, SC 29642

Greenville Branches
Branch Office300 Mills AveGreenville, SC 29605
Branch Office601 Verdae BoulevardGreenville, SC 29607

Simpsonville Branches
Branch Office117 Batesville Rd Ste 200Simpsonville, SC 29681

Spartanburg Branches
Branch Office130 N Town DrSpartanburg, SC 29303

Taylors Branches
Branch Office3237 Wade Hampton BlvdTaylors, SC 29687

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