Spero Financial

Overview / Commentary
420 E Park Ave
Greenville, SC 29601

Spero Financial is headquartered in Greenville and is the 12th largest credit union in the state of South Carolina. It is also the 716th 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.
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Health Grade Components

NCUA #361
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD-0.77%
Return on Equity - YTD-6.13%
Annual Interest Income$9.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$414.5MM$386.0MM
LoansQ2 2020vs Q2 2019$306.4MM$301.6MM
DepositsQ2 2020vs Q2 2019$350.2MM$307.8MM
Equity CapitalQ2 2020vs Q2 2019$50.4MM$51.2MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.0MM$4.8MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$4.2MM$3.7MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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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

1.15%*-$100kKasasa 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

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

3.00%*-$15kKasasa Cash Account
OTHER TIERS: 0.25% $15k+
0.05%--Share Draft Account
0.05%--Aspire Checking

Spero Financial CD Rates

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

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

Spero Financial Locations
Branch Office3237 Wade Hampton BlvdTaylors, SC 29687
Branch Office1025 Pulaski StColumbia, SC 29201
Branch Office130 N Town DrSpartanburg, SC 29303
Branch Office300 Mills AveGreenville, SC 29605
Branch Office118 Brushy Creek RdEasley, SC 29642
Corporate Office420 E Park Ave Ste 100Greenville, SC 29601-2237
Branch Office601 Verdae BoulevardGreenville, SC 29607
Branch Office117 Batesville Rd Ste 200Simpsonville, SC 29681

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