Deposit & Loan Rates
Check out the great loan and deposit rates available from Spero Financial.
Rates effective as of 9/1/2024
Deposit Rates
$1,500 or more
0.25%
APY*
Dividends compounded and credited monthly
0.50%
APY*
12 Month
4.25%
APY*
18 Month
3.75%
APY*
24 Month
3.75%
APY*
30 Month
3.75%
APY*
36 Month
3.75%
APY*
48 Month
3.75%
APY*
Dividends compounded and credited monthly
2.50%
APY*
Dividends compounded and credited monthly
0.25%
APY*
12 Month
4.25%
APY*
18 Month
3.75%
APY*
24 Month
3.75%
APY*
30 Month
3.75%
APY*
36 Month
3.75%
APY*
48 Month
3.75%
APY*
6 Month
4.00%
APY*
12 Month
4.25%
APY*
18 Month
3.75%
APY*
24 Month
3.75%
APY*
30 Month
3.75%
APY*
36 Month
3.75%
APY*
48 Month
3.75%
APY*
0.00%
APY*
Qualified Balances <$15,000
5.00%
APY*
Qualified Balances >$15,000
0.25%
APY*
Non-Qualified Balances
0.05%
APY*
Qualified Balances <$100,000
2.50%
APY*
Qualified Balances >$100,000
0.25%
APY*
Non-Qualified Balances
0.05%
APY*
>$2,500
1.15%
APY*
>$10,000
1.50%
APY*
>$50,000
2.25%
APY*
>$100,000
3.25%
APY*
>$250,000
3.40%
APY*
>$500,000
3.85%
APY*
DIVIDENDS COMPOUNDED AND CREDITED MONTHLY
0.15%
APY*
12 MONTH
2.50%
APY*
6 Month
4.00%
APY*
12 Month
4.25%
APY*
18 Month
3.75%
APY*
24 Month
3.75%
APY*
30 Month
3.75%
APY*
36 Month
3.75%
APY*
48 Month
3.75%
APY*
Dividends compounded and credited monthly
0.40%
APY*
- 1Rates may change after account opening and fees may reduce earnings.
- ²Early withdrawal fees could reduce earnings and principal on the account.
- ³Kasasa Account Terms and Conditions. Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, registered in the U.S.A.
- 4Memberships owned by a Minor (0-17 years old) earn dividends on balances of $0.00 or more.
- *Rates shown are Annual Percentage Yield.
Loan Rates
New
APR as low as
10.74%
APR
Used
APR as low as
11.74%
APR
New (30,000 miles or less)
APR as low as
6.24%
APR
Used (10 model years old or newer)
APR as low as
7.24%
APR
New
APR as low as
8.49%
APR
Used
APR as low as
9.49%
APR
APR is 3.00% above APY being earned on the certificate
being used as collateral
Varies%
APR
APR as low as
8.24%
APR
APR as low as
8.75%
APR
APR as low as
11.24%
APR
New
APR as low as
8.49%
APR
Used
APR as low as
9.49%
APR
APR as low as
5.00%
APR
APR as low as
8.49%
APR
APR as low as
15.15%
APR
- 1Visa Disclosure
- ²Home Equity Lines of Credit (HELOC) are issued at an adjustable rate that may range from 5% to 15% APR. Closing costs in Spero Financial’s lending area of SC, NC, & GA on loans for less than $150,000 range from $360 to $2,000. Loans of $150,000 or more would require title insurance in addition to the prior closing fees stated. Contact your real estate attorney for title insurance rates applicable to you. Property insurance is required and not included in the closing costs. Spero Financial will pay up to $250 in closing fees in most cases. Our minimum loan amount is $7,500 and minimum payment amount for a credit line with a balance is $100.00. Rates, terms, and conditions are subject to change without notice.