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Spero Financial


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 603rd largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 164 employees and 48,332 members at 10 locations. Spero Financial's money market rates are 8X the national average, and it has a B+ 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, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, or Union. 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

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #361
Year Chartered1935
Employees164
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.83%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$704.3MM$709.8MM
LoansQ1 2025vs Q1 2024$570.1MM$562.5MM
DepositsQ1 2025vs Q1 2024$642.9MM$649.2MM
Equity CapitalQ1 2025vs Q1 2024$54.4MM$55.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.6MM$4.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.6MM$2.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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
2.50%$0-Educational IRA Savings
2.50%$0$100kKasasa Saver
0.35%$0-Christmas Club Savings
0.30%$0-Vacation Share Savings
0.25%*$10k*-Share Savings Account
OTHER TIERS: 0.10% → $250 - $2.5k | 0.15% → $2.5k - $10k
0.20%$0-Health Savings Account

Spero Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.70%*$500k*-Money Market Account
OTHER TIERS: 1.10% → $2.5k - $10k | 1.40% → $10k - $50k | 2.20% → $50k - $100k | 3.10% → $100k - $250k | 3.30% → $250k - $500k

Spero Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$15kKasasa Cash Account
OTHER TIERS: 0.25% → $15k+
0.20%$1.5k-Aspire Checking
0.10%$0-Rewards Checking Account
0.10%$0-Rewards 50 Checking Account

Spero Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-12 Month CD
4.00%$250-12 Month Junior CD
4.00%$500-Business 12 Month CD
3.60%$500-6 Month CD
3.60%$500-18 Month CD
3.60%$250-6 Month Junior CD
3.60%$250-18 Month Junior CD
3.60%$500-Business 6 Month CD
3.60%$500-Business 18 Month CD
3.50%$500-48 Month CD
3.50%$250-48 Month Junior CD
3.50%$500-Business 48 Month CD
3.45%$500-36 Month CD
3.45%$250-36 Month Junior CD
3.45%$500-Business 36 Month CD
3.40%$500-30 Month CD
3.40%$250-30 Month Junior CD
3.40%$500-Business 30 Month CD
3.35%$500-24 Month CD
3.35%$250-24 Month Junior CD
3.35%$500-Business 24 Month CD
2.50%$25-12 Month Save to Win Certificate

Spero Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-12 Month IRA
4.00%$250-12 Month CESA
3.60%$500-18 Month IRA
3.60%$250-18 Month CESA
3.50%$500-48 Month IRA
3.50%$250-48 Month CESA
3.45%$500-36 Month IRA
3.45%$250-36 Month CESA
3.40%$500-30 Month IRA
3.40%$250-30 Month CESA
3.35%$500-24 Month IRA
3.35%$250-24 Month CESA
3.10%*$5k*-IRA Savings
OTHER TIERS: 1.30% → $0 - $5k
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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