Spero Financial

Overview / Commentary

864-232-5553

420 E Park Ave
Greenville, SC 29601

Spero Financial is headquartered in Greenville and is the 11^th largest credit union in the state of South Carolina. It is also the 641^st largest credit union in the nation. It was established in 1935 and as of June of 2022, it had grown to 158 employees and 50,226 members at 10 locations. Spero Financial's money market rates are 3X 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

View all posts from:

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 Q2 2022

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Health Grade Components

Overall
NCUA #	361
Year Chartered	1935
Employees	158
Primary Regulator

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	10.63%
Annual Interest Income	$12.5MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$594.8MM$543.0MM
Loans	Q2 2022vs Q2 2021	$492.3MM$395.3MM
Deposits	Q2 2022vs Q2 2021	$502.9MM$482.1MM
Equity Capital	Q2 2022vs Q2 2021	$58.0MM$55.0MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$2.2MM$3.1MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$2.1MM$1.9MM
Real Estate Owned	Q2 2022vs Q2 2021	$0$61.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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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.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Spero Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.25%^†	-	$100k	Kasasa Saver
0.80%^*^†	$5k^*	-	IRA Savings
OTHER TIERS: 0.30% → Up to $5k
0.70%^†	-	-	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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.50%^*^†	$500k^*	-	Money Market Account
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.50% → $10k - $50k \| 0.75% → $50k - $100k \| 1.00% → $100k - $250k \| 1.25% → $250k - $500k

Spero Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%^*	-	$15k	Kasasa Cash Account
OTHER TIERS: 0.25% → $15k+
0.15%	$1.5k	-	Aspire Checking
0.05%	-	-	Rewards Checking Account

Spero Financial CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	13 Month CD Special - New Money
3.00%	$500	-	13 Month Junior CD Special - New Money
2.00%	$500	-	12 Month CD
2.00%	$500	-	48 Month CD
2.00%	$250	-	12 Month Junior CD
2.00%	$250	-	48 Month Junior CD
2.00%	$25	-	12 Month Save to Win Certificate
1.50%	$500	-	36 Month CD
1.50%	$250	-	36 Month Junior CD
1.35%	$500	-	30 Month CD
1.35%	$250	-	30 Month Junior CD
1.25%	$500	-	24 Month CD
1.25%	$250	-	24 Month Junior CD
1.00%	$500	-	6 Month CD
1.00%	$500	-	18 Month CD
1.00%	$250	-	6 Month Junior CD
1.00%	$250	-	18 Month Junior CD

Spero Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	13 Month CESA Special - New Money
3.00%	$500	-	13 Month IRA Special - New Money
2.00%	$500	-	12 Month IRA
2.00%	$500	-	48 Month IRA
2.00%	$250	-	12 Month CESA
2.00%	$250	-	48 Month CESA
1.50%	$500	-	36 Month IRA
1.50%	$250	-	36 Month CESA
1.35%	$500	-	30 Month IRA
1.35%	$250	-	30 Month CESA
1.25%	$500	-	24 Month IRA
1.25%	$250	-	24 Month CESA
1.00%	$500	-	18 Month IRA
1.00%	$250	-	18 Month CESA

Locations

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

Anderson Branches
Branch Office	1720 N Main St	Anderson, SC 29621
Branch Office	1434 Pearman Dairy Rd	Anderson, SC 29625
Branch Office	100 Hanna Xing	Anderson, SC 29621

Columbia Branches
Branch Office	1025 Pulaski St	Columbia, SC 29201

Easley Branches
Branch Office	118 Brushy Creek Rd	Easley, SC 29642

Greenville Branches
Branch Office	300 Mills Ave	Greenville, SC 29605
Branch Office	601 Verdae Boulevard	Greenville, SC 29607

Simpsonville Branches
Branch Office	117 Batesville Rd Ste 200	Simpsonville, SC 29681

Spartanburg Branches
Branch Office	130 N Town Dr	Spartanburg, SC 29303

Taylors Branches
Branch Office	3237 Wade Hampton Blvd	Taylors, SC 29687

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