Earn 6.5x the national average with this limited-time certificate special!1 Available on personal, IRA, and business certificates.

Open a Certificate

This special offer is not available for money currently on deposit with Spero Financial. Please check our Rates for other certificate specials.

Top Rate in the Market

We believe our members deserve the best! Soar financially by saving and earning more.

Free and Confidential Coaching

New Money with $500 Deposit

Start watching your money grow with a $500 opening deposit. Funds already in a Spero account are not eligible for this offer.

Financial Topics and Tools

No Limit on Earnings

When we say 3.00% APY, we mean it! Earnings are not capped, so you can earn the full potential from your principal!

Debt Management

Financial Security

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

Weekend and After-Hour Support

Fixed Return on Funds

With your fixed-rate at 3.00% for 13-months, your certificate performance is not tied to the volatility of the market.

Additional Benefits

Is a Certificate the same thing as a Certificate of Deposit (CD)?

Yes! The accounts work the same way - allowing you to earn a fixed return on your money for a set amount of time. As a credit union, we call it a Certificate. Banks call it a Certificate of Deposit.

Speaking of credit union, you may be wondering what makes us different from a bank. (We're glad you asked!)

For more than 85 years, we have been improving the financial lives throughout the Upstate and Midlands of South Carolina. Instead of being governed by stockholders, our members have a vote and say in what we do! As a not-for-profit, we reinvest profits into programs that reward our members with higher returns, lower loan rates, and low-cost services.

Last, but not least:

*The Annual Percentage Yield of 3.00% is available for 13-month personal, IRA, and business certificates beginning on August 22, 2022 and is subject to change without notice. A minimum opening deposit of $500 is required ($250 for Junior Share Certificates). The offer is not available for funds currently on deposit with Spero Financial. Early withdrawal fees could reduce earnings and principal on the account.

1National average comparison was made on August 19, 2022 and is based on average rates for similar certificate products tracked by investopedia.com.

2For every Certificate, members will receive a notice of renewal one month prior to its maturity.

Like the thought of a 3.00% APY? (Us, too!)

Earn it with our Kasasa Cash® checking account. Plus, the account is free!