Smart Steps for Buying a New Car
So you’re thinking about buying a new car. For most of us, our car is the second most expensive purchase...
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If you receive a text about a recent transaction that asks you to click a link, share personal information, or feels urgent or unusual, do not respond. Spero text alerts will only ask you to reply YES or NO. We will never ask for your full account number, PIN, or to enter your online banking credentials. Learn More
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Spero is more than a credit union.
We’re a community.
People-first approach. Authentic advice. Personalized solutions.
Member-Owned
As a member, you have a vote and a say in what we do. We're not governed by stockholders but by a member-elected, volunteer Board of Directors.
Personalized Service
We'll know you by name and work to understand your needs to provide banking solutions to help you soar financially.
Better Rates
As a not-for-profit, we reinvest profits into programs that reward you with lower loan rates, higher savings dividends, and low-cost services.
Banking has never looked so good.
The right checking account can help your finances soar. With a Spero checking account, you get the ideal combination of benefits and convenience that fits your life.
Every Checking Account Includes
- Tap-and-Go Debit Card with EMV Chip
- MONEYLINKTM Online Banking
- Mobile Deposit
Financial Wellness
A financial journey is an "us" thing! Let's help you soar with your money.
Financial Coaching
Members of Team Spero are certified financial counselors, equipped to provide authentic advice to help you meet your money goals.
Financial Education
Spero Financial offers free, 24/7 online financial courses, so you can learn at your own pace. For a more communal setting, we also host financial workshops in your local area.
Financial Insights
We make “money” practical. Browse our blog for financial tips and insights that can help you take your money further.
Together We Soar
Let's Reach Your Financial Goals!
In The News
In The News
Spero Financial Joins WSPA’s Here to Help Diane Lee for Credit Score Myths
Spero Financial's Branch Manager Jarred Kelly had the opportunity to join WSPA's Diane Lee to discuss top credit score myths, specifically the impact of credit utilization.
Read MoreFeatured Insights
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Family
Stress Test Your Financial Plan
Let’s give your current financial plan a quick “stress test” to see how ready you are for sudden surprises.
Read more
Family
Member Spotlight: Chestnut Coffee
Chestnut Coffee’s story is one of connection, creativity, and community. We caught up with the owners to learn about how it started and where it’s headed next.
Read more
Member Alerts
Member Alert: FTC Scam Avoidance Action Plan
Excerpt from the Federal Trade Commission article: "Use this action plan to avoid scams"
Read more@mysperofi
Connect With the Spero Family
Sign up for the Pink Walk before January 10th to lock in early bird pricing and guarantee that you’ll receive a race t-shirt! 🩷
Link in bio.
If you receive a text alert about a recent transaction that asks you to click a link, share personal information, or feels urgent or unusual, do not respond.
Spero text alerts will only ask you to reply YES or NO. We will never ask for your full account number, PIN, or to enter your online banking credentials.
Join us in congratulating Leigh Wright, VP of Member Services, and Dave Konfara, VP of Card Solutions & Payments, on their graduation from the Leadership Development Institute last week! 🎓
The Carolinas Credit Union League`s Leadership Development Institute empowers current and rising credit union leaders with modern strategies to develop leadership and critical thinking skills. Students enrolled in the one-year program gain new insight, abilities, and strategies to integrate within their credit unions.
Santa will be here before you know it! Make sure to stop by your local Spero branch to mail him a letter by December 19th. 🎅
The US Mint recently announced that they will no longer be producing pennies. We’ve had a few members express concerns about what this will mean, so we compiled the answers to some frequently asked questions.
Why are pennies being discontinued?
In a nutshell, pennies now cost more to produce (3.7 cents) than they’re worth (1 cent), so the Mint has decided to stop production.
Can I still spend pennies?
Yes, pennies you already have will remain valid and can be used. There are billions of pennies currently in circulation, so you will continue to see them for years to come.
What will happen if a transaction calls for pennies in the future?
Congress is still sorting out the rules for these situations. Stay tuned!
Will this impact Spero?
Right now, there is no impact to Spero’s operations. We will continue to follow the situation closely and provide updates if anything changes.
For additional information on the discontinuation of pennies, visit the US Mint`s website.