Become a Member

Join the flock and enjoy all the benefits of membership

You have goals and dreams. Whether you’re just starting out or settling down, you shouldn’t have to figure out your financial journey alone. As a Spero Financial member, you won’t have to.

Become A Member

Why Choose Spero?

We're Stronger Together.

For more than 85 years, our credit union has operated with one mission: to improve the financial lives of our members. At the foundation of this mission is a cooperative spirit that powers how we partner with you to help achieve your goals and aspirations.

Click Here to Become a Member

Why Choose Spero?

Together, we're stronger than any of us can be on our own.

Here's what that means for our members.

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.

Better Rates

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.

Personalized Service

Personalized Service

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

Nationwide Network

Nationwide Network

Manage funds 24/7 through digital banking and access more than 30,000 shared-ATMs and 5,000 shared-branches at no charge.

Community Focus

Community Focus

We give back to our community by supporting local businesses and supporting charitable organizations.

Financial Security

Financial Security

Your money is safe at Spero. Your deposits are insured by the National Credit Union Administration, up to $250,000.

Who Can Join?

Once a member, always a member!1 Plus, get member-exclusive offers and promotions.

To be eligible for membership, meet one of the following:

  • Yes! I live, work, worship, or attend school in the select parts of the counties Spero Financial serves – Anderson, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, and Union counties — or have a family or household member that does.
  • Yes! I am an immediate relative2 of a current member.
  • Yes! I currently work for or retired from a Select Employee Group3 — or have a family or household member2 that does.
  • Yes! I am a member of the Carolinas Credit Union Foundation's "Friend of the Foundation". (Not sure? Learn more here.)
How to Join

How to Join

Open your membership account for only $5, signifying your ownership in Spero Financial.

To open your account, you'll need the following:

  • Government-issued ID: Driver’s License, State ID, or Passport with current address. (If your current address is not listed, provide two forms of proof of current address such as a utility bill, account statement, or lease agreement that include current name and address.)
  • Social Security Number
  • Date of Birth

I have been a single mom trying to build my credit to have a great life for my son, and my bank has helped me so much with achieving my financial goals.

Ashlee Anderson

Member Since 2011

When I was in the market to buy a vehicle, I was more than thrilled that they used/recommended [Spero] (formerly SC Telco) to finance my SUV! When I went to complete my paperwork with them, I was literally in and out in about an hour! I have always had a good experience - their employees are not only professional but also bring a personal touch to your experience.

Misty Foster

Member Since 2019

Spero has helped our financial journey in so many different ways… It all has been possible with Spero!

Scott T.

Member Since 2001

Most importantly, we’ve always been treated like family not customers of a financial institution.

Barbara B.

Member Since 1980

I have always been welcomed when I enter an office and thanked for being a member from the smallest tasks to long phone conversations to help with managing my accounts.

Katie G.

Member Since 2006

Spero has become family and a major factor and part of my financial wellness! There is no Credit Union that is as involved in not only its members, but the community in which they serve!

Marilyn S.

Member Since 2009

At Spero Financial, they truly have been there from the beginning to the end, to help turn my finances into an area of life that inspires confidence and dare we say happiness. Spero Financial is there for you.

Carolyn P.

Member Since 1990

I've been banking with Spero for several years now. I'm proud to call them my bank...

Zealina J.

Member Since 2003

Inspiring Financial Hope

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Last, but not least!

¹Membership valid as long as account is maintained in accordance with the Membership Account Agreement and Disclosures.

²Immediate family is defined as grandparents, parents, spouses, brothers and sisters, children and grandchildren, adoptive, step relations and those individuals who reside in the member or employee’s household and make up a single economic unit.

³Members, who terminate their employment with the SEG, may continue their membership with the credit union, maintaining all rights and privileges afforded members.

Find Financial Freedom Through Better Banking.

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