Spero Financial

Overview / Commentary

864-297-8984

420 E Park Ave
Greenville, SC 29601

Spero Financial is headquartered in Greenville and is the 12^th largest credit union in the state of South Carolina. It is also the 716^th largest credit union in the nation. It was established in 1935 and as of June of 2020, it had grown to 134 employees and 53,018 members at 8 locations. Spero Financial's money market rates are 48% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Spero Financial is open to members of the South Carolina Wildlife Federation through a $25 donation, and anyone who lives, works, worships, volunteers, or goes to school in Columbia, Easley, Greenville, Spartanburg, Simpsonville or Taylors counties. Immediate family and household members are also eligible to join.
See current membership details

View all posts from:

2009

1/15 - 3.50% 13-Month CD at SC Telco Federal Credit Union in South Carolina - Easy Membership

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Health

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #	361
Year Chartered	1935
Employees	134
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.77%
Return on Equity - YTD	-6.13%
Annual Interest Income	$9.3MM

Assets and Liabilities
Assets	Q2 2020vs Q2 2019	$414.5MM$386.0MM
Loans	Q2 2020vs Q2 2019	$306.4MM$301.6MM
Deposits	Q2 2020vs Q2 2019	$350.2MM$307.8MM
Equity Capital	Q2 2020vs Q2 2019	$50.4MM$51.2MM
Loan Loss Allowance	Q2 2020vs Q2 2019	$5.0MM$4.8MM
Unbacked Noncurrent Loans	Q2 2020vs Q2 2019	$4.2MM$3.7MM
Real Estate Owned	Q2 2020vs Q2 2019	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

Spero Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.15%^*	-	$100k	Kasasa Saver
OTHER TIERS: 0.25% → $100k+
0.50%^*	$5k^*	-	IRA Savings
OTHER TIERS: 0.25% → Up to $5k
0.50%	-	-	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
0.03%	-	-	Health Savings Account

Spero Financial Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.10% → $500 - $5k \| 0.20% → $5k - $10k \| 0.30% → $10k - $25k \| 0.55% → $25k - $50k

Spero Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$15k	Kasasa Cash Account
OTHER TIERS: 0.25% → $15k+
0.05%	-	-	Share Draft Account
0.05%	-	-	Aspire Checking

Spero Financial CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$500	-	48 Month CD
0.95%	$250	-	48 Month Junior CD
0.90%	$500	-	36 Month CD
0.90%	$250	-	36 Month Junior CD
0.80%	$500	-	30 Month CD
0.80%	$250	-	30 Month Junior CD
0.70%	$500	-	24 Month CD
0.70%	$250	-	24 Month Junior CD
0.60%	$500	-	18 Month CD
0.60%	$250	-	18 Month Junior CD
0.55%	$500	-	12 Month CD
0.55%	$250	-	12 Month Junior CD
0.40%	$500	-	6 Month CD
0.40%	$250	-	6 Month Junior CD

Spero Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.95%	$500	-	48 Month IRA
0.95%	$250	-	48 Month CESA
0.90%	$500	-	36 Month IRA
0.90%	$250	-	36 Month CESA
0.80%	$500	-	30 Month IRA
0.80%	$250	-	30 Month CESA
0.70%	$500	-	24 Month IRA
0.70%	$250	-	24 Month CESA
0.60%	$500	-	18 Month IRA
0.60%	$250	-	18 Month CESA
0.55%	$500	-	12 Month IRA
0.55%	$250	-	12 Month CESA

Locations

Spero Financial Locations
Branch Office	3237 Wade Hampton Blvd	Taylors, SC 29687
Branch Office	1025 Pulaski St	Columbia, SC 29201
Branch Office	130 N Town Dr	Spartanburg, SC 29303
Branch Office	300 Mills Ave	Greenville, SC 29605
Branch Office	118 Brushy Creek Rd	Easley, SC 29642
Corporate Office	420 E Park Ave Ste 100	Greenville, SC 29601-2237
Branch Office	601 Verdae Boulevard	Greenville, SC 29607
Branch Office	117 Batesville Rd Ste 200	Simpsonville, SC 29681

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