Term Share Certificates

Invest for the future

Living in the moment is so important but saving for the future is too. (And it’s never too early to start!) To jump-start your savings, take advantage of our limited-time, 13-month certificate special of 3.00% APY1. New money only.

Open an Account

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Here's how it works:

With a Spero Term Share Certificate, take advantage of earning higher returns compared to a traditional savings account. Plus, with terms starting at just 6 months, avoid tying up your funds for an extended period.

Account Features

  • $500 minimum opening deposit
  • 6 to 48-month term options
  • Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms

Get Started

Additional Benefits

Account Access

It’s your money. You should have access to it whenever you’d like!

Free Online Banking

Free Online Banking

Access your account from wherever you are, at anytime.

Learn More about free online banking

Free Mobile Banking

Free Mobile Banking

Manage your account on-the-go - anytime, anywhere.

Learn More about free mobile banking

Last, but not least:

1The Annual Percentage Yield of 3.00% is available for 13-month personal, IRA, and business certificates beginning August 19, 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.

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

Interested in other savings account options?

Check out all our available saving accounts offerings.