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 — 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 — 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 — 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.

member-owned

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

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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 “money” 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. — 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.

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@mysperofi

Connect With the Spero Family

Happy International Credit Union Day! 🌎

This year's ICU Day theme is “Cooperation for a Prosperous World,” which is something we're very passionate about at Spero. 

One of the core values we live by is having the Heart of a Servant. We believe that when we work together to serve others, we can build a better future and a more prosperous world.

Here's to another wonderful year of people helping people! 🤝
We’re so excited to sponsor Let There Be Mom’s annual Dine Out for Mom event on Thursday, October 23rd! 

Over 170 restaurants in the Upstate will donate 20% of their total sales from the ENTIRE day – breakfast through late-night snacks! 😋🍽️ 

Dine in or order take-out to help Let There Be Mom preserve the legacies of moms and dads with life-threatening illnesses in Greenville.

For a full list of participating restaurants, visit https://lettherebemom.org/dine-out-for-mom/
Has your teen outgrown their piggy bank? It’s time to open a free Student Spend account!

With Student Spend, teens can develop financial independence with parental guardrails in place. Plus, they can apply for our $5,000 higher education scholarship! 

Visit our website for more details. 

Membership required. Insured by NCUA.
Today’s Cyber Security Tip: Lock your accounts down! 🖥️

#cybersecurity #cybersecurityawarenessmonth

Find Financial Freedom Through Better Banking.

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