Personal Savings Accounts

Experience the financial freedom of flying high.

Let us help you put your money to work so you can rise above financial challenges and glide through life’s adventures. Whether you want the stability of traditional savings, the flexibility of a money market account, or the long-term dependability of retirement savings, we can help you choose the right savings account so you can achieve your goals and make your dreams a reality.

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Savings Options to Achieve Your Goals

We all have hopes and dreams. Make them a reality with the help of a Spero savings account.

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Basic Membership Savings

Opening a Membership Savings account is the first step to becoming a Spero member. Not only does this basic savings account activate all the privileges of your membership, it also pays monthly dividends that can help your financial future take flight.

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Christmas Club

Start a new tradition this holiday season. Buy gifts for others without worrying about your finances. When you open a Christmas Club account, you can deposit money all year long, earn monthly dividends on your balance, and give yourself the gift of peace-of-mind knowing you have saved all year for gift shopping!

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Individual Retirement Account (IRA)

Retirement may be a long ways off, or it might be right around the corner. Regardless, it is never too early (or too late) to start saving for your golden years, so you can enjoy them in comfort and with the peace-of-mind of financial security.

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Money Market

Money Market Account

Searching for a savings option that combines the earning potential of a term share certificate with the flexibility of a checking account? A Money Market Account may be right for you.

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Save to Win
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Save to Win

Want a chance to win big and boost your savings? Open a Save to Win 12-month term share certificate for as little as $25 to be entered into a drawing to win monthly and quarterly prizes up to $5,000! For every $25 you save, you get another entry into the drawing— up to 10 entries per month.

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Term Share
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Term Share Certificates

Are you saving money for something in the future and want to keep your money safe while earning higher rates than a standard savings account? Our term share certificates offer the perfect solution. Select your term (from 6 to 48 months) and invest as little as $500. Then, let your money go to work!

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Vacation Club

Hawaiian beaches. Alaskan cruise. European excursions. Whatever your idea of a perfect getaway may be, our Vacation Club accounts can help you save for it over time. Build your vacation fund via payroll deduction, auto transfer, or in-branch deposits. Plus, earn monthly dividends while you save.

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Term Share

Junior Term Share Certificate

It's never too early to start helping your kids build their savings nest egg! With a Junior Term Share Certificate, they can earn even more than a traditional savings account with as little as $250 to get started.

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Minor Savings

Why should grown-ups have all the saving fun? Here at Spero Financial, we love to get our youngest members in on the action too! Our Minor Savings account, which can be opened with just $5, is a great way to teach your younger ones about the benefits of saving long before they leave your nest!

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Want to open a checking account alongside your savings?

View our checking account options and take your money even further!