Spero Financial

Overview / Commentary
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 618th largest credit union in the nation. It was established in 1935 and as of September of 2022, it had grown to 159 employees and 50,442 members at 10 locations. Spero Financial's money market rates are 9X 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.
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Health Grade Components

NCUA #361
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD9.25%
Annual Interest Income$19.6MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$630.9MM$544.7MM
LoansQ3 2022vs Q3 2021$498.1MM$413.9MM
DepositsQ3 2022vs Q3 2021$524.3MM$483.4MM
Equity CapitalQ3 2022vs Q3 2021$57.5MM$56.8MM
Loan Loss AllowanceQ3 2022vs Q3 2021$2.4MM$2.9MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$2.0MM$1.6MM
Real Estate OwnedQ3 2022vs Q3 2021$0$30.00K
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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

3.25%*$5k*-IRA Savings
OTHER TIERS: 1.25% Up to $5k
2.00%--Educational IRA Savings
1.25%-$100kKasasa Saver
0.30%*$10k*-Share Savings Account
OTHER TIERS: 0.10% $250 - $2.5k | 0.20% $2.5k - $10k
0.25%--Christmas Club Savings
0.25%--Vacation Share Savings
0.25%--Health Savings Account

Spero Financial Money Market Rates

3.75%*$500k*-Money Market Account
OTHER TIERS: 2.00% $2.5k - $10k | 2.50% $10k - $50k | 2.75% $50k - $100k | 3.00% $100k - $250k | 3.25% $250k - $500k

Spero Financial Checking Account Rates

3.00%-$15kKasasa Cash Account
0.25%$1.5k-Aspire Checking
0.15%--Rewards Checking Account

Spero Financial CD Rates

4.50%$500-12 Month CD
4.50%$500-30 Month CD
4.50%$250-12 Month Junior CD
4.50%$250-30 Month Junior CD
4.50%$25-12 Month Save to Win Certificate
3.50%$500-6 Month CD
3.50%$500-18 Month CD
3.50%$500-24 Month CD
3.50%$500-36 Month CD
3.50%$500-48 Month CD
3.50%$250-6 Month Junior CD
3.50%$250-18 Month Junior CD
3.50%$250-24 Month Junior CD
3.50%$250-36 Month Junior CD
3.50%$250-48 Month Junior CD

Spero Financial IRA Rates

4.50%$500-12 Month IRA
4.50%$500-30 Month IRA
4.50%$250-12 Month CESA
4.50%$250-30 Month CESA
3.50%$500-18 Month IRA
3.50%$500-24 Month IRA
3.50%$500-36 Month IRA
3.50%$500-48 Month IRA
3.50%$250-18 Month CESA
3.50%$250-24 Month CESA
3.50%$250-36 Month CESA
3.50%$250-48 Month CESA

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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