IMPORTANT: When activating your new card, YOU MUST SELECT A PIN. It will state "Your card is now active and available to use." Then, follow the prompt, "If you would like to select a PIN, select 1."

If you have activated your card but did not select a PIN, simply call 800-631-3197 to select a PIN.


$3,000 Summer Spend-to-Win Giveaway

Each time you use your Spero Debit Card between June 12 and August 30, you'll be entered for a chance to win up to $3,000. Tap the button below to learn more.

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The Perfect Loan for ________.

With a Spero Personal Loan, your possibilities are endless. Apply online to get a competitive rate and same-day funding.*

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

People-first approach. Authentic advice. Personalized solutions.



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

Personal Checking Accounts

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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.

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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.

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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.

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Together We Soar

Let's Reach Your Financial Goals!


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In The News

Spero Financial Announces 2024 Scholarship Winners

Greenville, SC (May 7, 2024)- Spero Financial announces the Louis C. Addison College Scholarship Winners for the 2023-2024 academic year....

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Connect With the Spero Family

Yesterday evening the Upstate Chapter Meeting featured an engaging Chief Financial Officers Roundtable all about credit union financials and the challenges faced within development, legislation, and employee dynamics. This roundtable included our very own Toni Davisson, Senior Vice President, Chief Financial Officer, and was moderated by Chelsea Newton, Spero’s Community Relations Specialist.
Elder abuse shows up in a variety of areas with one being finances. There are often warning signs of potential financial elder abuse including unexplained changes, isolation, behavioral changes, and unpaid bills. If you notice any of these warning signs or suspect financial abuse in the life of someone you know, visit the link in our bio for steps on reporting!
We couldn’t be happier to have you as a member, Walter!
Join us on Thursday, June 27 from 12PM until 1PM for a free financial webinar all about equipping young investors to plan for their best financial life through Financial Planning. We’ll explore steps to take now to achieve future success! Register at the link in our bio.
June marks Elder Abuse Awareness month! Throughout the month, we will share information on how to help your loved ones stay safe and prevent financial elder abuse.

Find Financial Freedom Through Better Banking.

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