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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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
Join Us in the Fight Against Cancer on February 7, 2026
Join us for the 5th Annual Pink Walk & Fun Run on Saturday, February 7th, 2026!
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Family
Is It Time to Buy a New Car?
Sometimes it makes more sense to purchase a new car rather than repair the one you already have. Here's how to know if you've reached that point
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Family
Recap of Coffee Chats with the CEO
From September to November 2025, our CEO, Brian McKay, hosted six Coffee Chats — small, casual conversations where he could hear directly from Spero members. These gatherings provided an opportunity for open dialogue, shared experiences, and meanin...
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Family
Digital Minimalism: What It Means for Social Media & Financial Success
In our digital-first world, many people are seeking a way to be more intentional about how they use technology. This search is inspiring a growing “digital minimalism” movement on social media.
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Connect With the Spero Family
#TeamSpero had a great time attending the Carolinas Credit Union Foundation Annual Awards Gala earlier this month!
We were honored to receive the Louise Herring Philosophy in Action Member Service award, which recognizes credit unions who put the credit union philosophy into action. Spero earned this award through our commitment to preventing Elder Financial Abuse in our communities. In the past year alone, we prevented over 60 scams and protected more than $224,000 in members’ savings.
We were also awarded the Disaster Response Champions Award for response in the aftermath of Hurricane Helene. After the storm, Team Spero was able to quickly mobilize to provide financial relief, informational support, and direct community aid. This is the first time this award has been conveyed.
#TeamSpero had the wonderful opportunity to hear about the work of the @julievalentinecenter at their luncheon last week. Our team was humbled and left hopeful after hearing of the work this organization is doing for victims of sexual assault and child abuse in our community! ❤️
All Spero Financial locations will be closed on Monday, February 16th in observance of President’s Day.
You can access your accounts 24/7 via Digital Banking or the Spero Financial Mobile App.
We were honored to be inducted into the AnMed Foundation’s White Coat Society last week! 🥼💙
The White Coat Society recognizes individuals, corporations, and foundations who have donated over $100,000 cumulatively to the Foundation.
We have been powering AnMed`s Mammography Mobile since 2017 and are excited to continue working with AnMed to improve the health of the communities we serve.