Government Employee Furlough loans
Due to the current government shutdown, we've created a 0% APR emergency loan to help subsidize lost income for federal employees and retirees affected by the furlough. Contact your nearest branch for details and terms that apply. Membership required. Offer valid as of 10/2/2025 and subject to change without notice.

Kasasa Checking

Earn More with Kasasa Checking

Earn up to $750 per year with Kasasa Cash Checking β€” that's 5.00% APY* on qualified balances up to $15,000! (At most banks, you only earn 0.01% APY on your checking balance.) Choose well. Earn more!

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Student Spend

Helping Them Soar β€” One First at a Time

You've been there for their firsts: first words, first steps... Now it's time for another: their first money move. Spero’s Student Checking gives them 24/7 access with a debit card and digital banking β€” and no monthly fees or overdraft worries.

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Spero is more than a credit union. We’re a community.

People-first approach. Authentic advice. Personalized solutions.

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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.

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Personalized Service

We'll know you by name and work to understand your needs to provide banking solutions to help you soar financially.

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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

Personal Checking Accounts

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Financial Wellness

A financial journey is an "us" thing! Let's help you soar with your money.

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Financial Coaching

Members of Team Spero are certified financial counselors, equipped to provide authentic advice to help you meet your money goals.

Discover Financial Coaching

financial-education

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 Education Opportunities

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Financial Insights

We make β€œmoney” practical. Browse our blog for financial tips and insights that can help you take your money further.

Explore Financial Insights

Together We Soar

Let's Reach Your Financial Goals!

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In The News

Chelsea Newton holding her Best & Brightest 35 and Under award.

Chelsea Newton, Community Relations Specialist for Spero Financial, Named to Greenville Business Magazine’s Best and Brightest 35 and Under

GREENVILLE, S.C. β€” Chelsea Newton, Community Relations Specialist for Spero Financial, has been named to Greenville Business Magazine’s 2025 Best and Brightest 35 and Under list. Each year, this list recognizes young people who are committed to making a difference in the Upstate community and business world.

Read More

@mysperofi

Connect With the Spero Family

#ThrowbackThursday to the Pink Walk & Fun Run earlier this year! We had a great time, and we can’t wait to do it again this February.

Stay tuned for more details!
October is Cyber Security Awareness Month! πŸ–₯️

To celebrate, Kevin Brannon, SVP & Chief Technology Officer, and Chris Libby, VP of Information Technology, are going to share important cyber safety info throughout the month – stay tuned! 

Today let’s talk about why Cyber Security is important, especially in your financial life.
Applications are now open for the Louis C. Addison College Scholarship! πŸŽ“

Each year, we award 3 Spero members a $5,000 scholarship to put toward their higher education. For more information and to apply, visit the link in our bio!

Applications are due by February 1st, 2026.
Student Spend equips teens and active students to soar financially! 

πŸ‘‰ Free account with no overdraft fees
πŸ‘‰ Eligibility for our $5,000 college scholarship
πŸ‘‰ 24/7 access with a debit card and Digital Banking
πŸ‘‰ Free financial education
πŸ‘‰ And lots more! 

Visit our website for more details. 

Membership required. Insured by NCUA.
It was an honor to meet with several local non-profits this morning and discuss new ideas to better serve our communities.

We just want to say thank you to these organizations for using their different areas of expertise and joining together to make our communities better places to live, work, and play! πŸ’™ 

Represented: Julie Valentine Center, Habitat for Humanity of Greenville County, YMCA of Greenville, Anderson Interfaith Ministries, and The Dream Center

Find Financial Freedom Through Better Banking.

Join today, and start enjoying all the benefits of membership!