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 721^st largest credit union in the nation. It was established in 1935 and as of September of 2020, it had grown to 133 employees and 47,036 members at 9 locations. Spero Financial's money market rates are 82% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Spero Financial is open to anyone who lives, works, worships, volunteers, pr attends school in the South Carolina counties of Columbia, Easley, Greenville, Spartanburg, Simpsonville 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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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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2021
2009

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

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 Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #	361
Year Chartered	1935
Employees	133
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.38%
Return on Equity - YTD	-3.08%
Annual Interest Income	$13.9MM

Assets and Liabilities
Assets	Q3 2020vs Q3 2019	$418.4MM$386.3MM
Loans	Q3 2020vs Q3 2019	$319.0MM$301.2MM
Deposits	Q3 2020vs Q3 2019	$360.8MM$312.6MM
Equity Capital	Q3 2020vs Q3 2019	$50.8MM$51.7MM
Loan Loss Allowance	Q3 2020vs Q3 2019	$4.7MM$4.8MM
Unbacked Noncurrent Loans	Q3 2020vs Q3 2019	$2.9MM$3.2MM
Real Estate Owned	Q3 2020vs Q3 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
0.65%	-	-	Educational IRA Savings
0.50%^*	$5k^*	-	IRA Savings
OTHER TIERS: 0.25% → Up to $5k
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%^*	$500k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.20% → $10k - $50k \| 0.30% → $50k - $100k \| 0.55% → $100k - $250k \| 0.65% → $250k - $500k

Spero Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$15k	Kasasa Cash Account
OTHER TIERS: 0.25% → $15k+
0.05%	-	-	Rewards Checking Account
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
0.85%	$500	-	36 Month CD
0.85%	$250	-	36 Month Junior CD
0.80%	$500	-	30 Month CD
0.80%	$250	-	30 Month Junior CD
0.75%	$500	-	24 Month CD
0.75%	$250	-	24 Month Junior CD
0.70%	$500	-	18 Month CD
0.70%	$250	-	18 Month Junior CD
0.65%	$500	-	12 Month CD
0.65%	$250	-	12 Month Junior CD
0.65%	$25	-	12 Month Save to Win Certificate
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
0.85%	$500	-	36 Month IRA
0.85%	$250	-	36 Month CESA
0.80%	$500	-	30 Month IRA
0.80%	$250	-	30 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$250	-	24 Month CESA
0.70%	$500	-	18 Month IRA
0.70%	$250	-	18 Month CESA
0.65%	$500	-	12 Month IRA
0.65%	$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
Branch Office	601 Verdae Boulevard	Greenville, SC 29607
Branch Office	117 Batesville Rd Ste 200	Simpsonville, SC 29681
Branch Office	100 Hanna Crossing	Anderson, SC 29621
Branch Office	1720 N Main Street	Anderson, SC 29621

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