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 641st 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.
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Health Grade Components

NCUA #361
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.63%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$594.8MM$543.0MM
LoansQ2 2022vs Q2 2021$492.3MM$395.3MM
DepositsQ2 2022vs Q2 2021$502.9MM$482.1MM
Equity CapitalQ2 2022vs Q2 2021$58.0MM$55.0MM
Loan Loss AllowanceQ2 2022vs Q2 2021$2.2MM$3.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.1MM$1.9MM
Real Estate OwnedQ2 2022vs Q2 2021$0$61.00K
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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

1.25%-$100kKasasa 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

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

3.00%*-$15kKasasa Cash Account
OTHER TIERS: 0.25% $15k+
0.15%$1.5k-Aspire Checking
0.05%--Rewards Checking Account

Spero Financial CD Rates

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

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

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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