Personal

Savings Accounts

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

Business

Business Loans

With flexible and competitive solutions, we’re here to understand your unique needs and match them with a solution to help your business soar. Learn More

Digital Banking

Spero Mobile Banking App

Access and manage your Spero personal accounts, all in one place. Get the App

Financial Wellness

Your Money Matters

Visit our online financial education portal to view and complete courses on budgeting, debt management and more. View Courses

Auto Loans

Competitive rates. Flexible terms.

Whether you’re buying a new or used vehicle, Spero Financial provides convenient financing customized to your needs. Get Pre-Approved

Welcome AFCU Members

TOGETHER, WE'RE REACHING NEW HEIGHTS!

Becoming One

To Better Serve You

AFCU transitioned to Spero Financial January 29-31, 2021. While independently strong, by joining together, you’ll enjoy ownership in a credit union that is even stronger and more resilient. With over 150 collective years of serving Upstate and Midland families, the combined organization will operate as Spero Financial – reflecting our proud history as well as the hopeful optimism that is shaping our future.

Branch drive thrus and the lobby at Main (by appointment only) will reopen as Spero Financial on Monday, February 1. Rest assured we are diligently working behind-the-scenes to ensure this transition is as seamless as possible for you. Review the Transition Guide, as well as the information on this landing page for all the info you need to know about the transition. If anything is unclear, please call your local AFCU branch for further guidance.

Things to Know
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Top 5 Things to Know

1. Member Number

Your member number will change. Reference page 7 of the Transition Guide for details.

2. Loan Number
Your loan number may remain the same unless you receive a separate letter from us. Reference the "Loan" section of the Transition Guide for details.

3. Debit and Credit Cards
Continue using your AFCU debit and credit cards through January 31, 2021. Beginning February 1, 2021, begin using your new Spero Financial card(s).

4. Checks and Direct Deposits
After the transition is complete on Monday, February 1,  please order Spero Financial checks and update your direct deposit and electronic draft information with employers/third-parties to the new Spero routing number 253279277. Reference page 28 of the Transition Guide for details and access our Direct Deposit Form.

5. Digital Banking Access
Digital Banking will no longer be accessible beginning Friday, January 29. We highly encourage you to fully read the "Account Access" section of the Transition Guide for instructions on how to prepare for the transition.

View the Transition Guide

Latest Updates
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Helpful Resources

Keeping You "In The Know"

Rest assured we are diligently working behind-the-scenes to ensure this transition is as seamless as possible for you. We will update you each step of the way through member communications as well as easily accessible resources to reference as you need them.

RESOURCES

Spero Financial
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Our Name

Reflecting Our Palmetto State Pride

Since our credit union began in South Carolina, it’s only fitting that our name should have its origin in one of our home state’s most recognizable symbols — the Great Seal of South Carolina. There, in one of the seal’s oval banners, we see the Latin phrase Dum Spiro Spero, meaning “While I breathe, I hope.” The concise optimism of this simple phrase captures the hopeful confidence we seek to instill in our members.

Learn More about our name

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Frequently Asked Questions

Scroll to view the answers to your frequently asked questions. If you cannot find what you are looking for, please contact your local AFCU branch.

Account Access

No. Please continue to only bank at AFCU locations until the partnership is complete. On Monday, February 1, you will be able to begin using any Spero Financial (formerly SC Telco) location.
Spero checks cannot be ordered until Monday, February 1, 2021 or after. Spero Financial will honor AFCU checks for up to six months after the transition is complete on Monday, February 1. Please click here to request a supply be ordered or you may call/visit any Spero Financial location. Upon submission, a member specialist will reach out to confirm your order details.
Call 24 Audio Banking will no longer be available for making transactions beginning January 29 at 4:00PM EST. You may continue to use Call 24 for balance inquiries through January 31. Beginning Monday, February 1, you may call (864) 232-3645 for 24/7 MONEYLINKSM Audio Response Banking. Upon calling the first-time, you will have to set up a new PIN. Please use your new Spero Financial member number and social security number to establish a security PIN.
Automatic payments/transfers will continue as normal without interruption. All previously scheduled auto loan payments that are scheduled to transfer prior to January 29 will do so from your AFCU account. Beginning February 1, schedule transfers will be deducted from your Spero account.
Bill Pay will no longer be available starting 8:00AM on Friday, January 29. Important: Members should no longer setup new Bill Pay items starting 12:01AM EST on Monday, January 25. The information for any new items set up after this time will not automatically transfer to their Spero Bill Pay account.
No. Beginning Monday, February 1, you will be able to access Bill Pay in Spero's MONEYLINK Online Banking. A good portion of payee information and processing instructions will automatically transfer. Important: Any pending or recurring payment scheduled to originate from an outside account (not an AFCU account) will not transfer to your Spero Bill Pay settings.
Any Bill Pay items previously scheduled on or before Thursday, January 28 will take place as expected and will be processed by AFCU. Beginning February 2, payments previously scheduled after this date will be processed by Spero Financial.
If you've previously scheduled items for Friday, January 29 through Tuesday, February 2, you will need to arrange secondary methods for those payments. Important: Please verify the payment in question did not clear your AFCU account before a secondary payment is made.
You will receive a new Spero Financial debit card. These cards will be mailed on January 15 for an in-hands date of no later than January 30. You should continue to use your AFCU debit card through January 31, 2021. Beginning February 1, you can begin using your new Spero debit card.
Please reference page 7 of the Transition Guide for specific dates that AFCU Digital Banking will no longer be accessible.
Yes! Beginning Monday, February 1, you must enroll in Spero Online Banking before utilizing the Spero Mobile Banking App. Once enrolled, you may download the Spero Mobile Banking app and use the same username and password as you do in Spero Online Banking.
No. You will need to re-establish alerts in Spero Online Banking beginning Monday, February 1.
No. You will need to activate Spero Text Banking from within Spero Online Banking beginning Monday, February 1.
Transaction history will not transition to Spero Online Banking. Due to this, please access and download your statements in AFCU Online Banking before Friday, January 29 at 4:00PM EST. You may also contact Call 24 Audio Banking through January 31 for balance inquiries.
If you were enrolled in AFCU Online Banking before January 15, your Online Banking access id will remain the same. To make enrolling in Spero Financial MONEYLINKSM Online Banking as easy as possible, we will use a special process to expediate your enrollment! Beginning February 1, we will provide further instruction to do so on at the top of this landing page. In addition, AFCU Online Banking Users with a valid email address on file will receive an email including step-by-step instructions on Monday, February 1 for enrolling. If you were not  enrolled in AFCU Online Banking before January 15, you will need to visit https://spero.financial/online-banking/ and select “Enroll Today” to establish a username and password. Note: A small group of Online Banking access IDs will change due to duplicates in the system. Impacted member have been contacted by AFCU staff via phone with their new ID.
Beginning February 1, Spero Financial loan statements will be mailed out quarterly instead of monthly and will no longer include loan coupons as they currently do. Beginning Monday, February 1, you may request a coupon book by contacting the Member Service Center at (800) 922-0446 or visiting a Spero Financial branch. All other accounts will follow the statement cycle they currently do.
If you already receive eStatements with AFCU, you will continue to receive eStatements after transition completion - with one exception. If you received eStatements for your AFCU credit card, you will need to re-enroll in eStatements for your Spero credit card. To do so, log into MONEYLINK Online Banking and click the "Get Info" link next to your credit card. From the account home tab, click on the "Go Paperless" quick link to enroll in credit card eStatements.

Account Changes

Member numbers will change. Reference page 7 of the Transition Guide for details regarding the formula  to determine your new member number. In late January, a letter was mailed to each AFCU member denoting his/her new Spero member number for quick reference. Loan numbers will remain the same unless you receive a separate letter from us in the mail. All Real Estate Loan numbers will change.
Coupon books will no longer be included in statements. Beginning February 1, you may request a coupon book by contacting the Member Service Center at (800) 922-0446 or visiting a local Spero Financial branch.
Yes! You will receive a new Spero Financial credit card. These cards will be mailed on January 15 for an in-hands date of no later than January 30. You should continue to use your AFCU credit card through January 31, 2021. Beginning February 1, you can begin using your new Spero credit card. You must simply activate your new card following the instructions provided in the mailing received. If needed, you may also contact your local Anderson branch for assistance if needed.
On Monday, December 14, new credit card terms and conditions were mailed to AFCU credit card holders, including payment details. Your payment will continue to be due around the 25th of each month.
Reloadable and instant issue debit cards will no longer be available beginning February 1. If you currently use a reloadable debit card, please contact your local AFCU branch for guidance on how to reload their card on or after February 1.
Direct deposits will continue as normal without interruption. We will honor direct deposits with the AFCU routing number for up to six months after the transition completion. Beginning Monday, February 1 (no sooner), please begin updating your direct deposit to your new Spero account information and routing number 253279277. Access our Direct Deposit Form for your convenience.
Pop Money payee information and instructions will not transfer to Spero Online Banking. However, beginning Monday, February 1, you may re-establish this information in the Bill Pay section of Spero Online Banking.
If you are setting Spero Financial as the payee in another financial institution's bill pay system, please us PO Box 10708, Greenville, SC 29603 as the address associated with the payment.

General Information

While formally a merger, this partnership better positions us to embrace the ever-changing regulatory environment, while providing efficiency of operations to achieve economies of scale. In turn, our members will have access to an expanded suite of financial products and services (including Business Loans), enhanced digital and mobile banking services, and seven additional branches throughout the Upstate and Midlands.
We will be transitioning AFCU member accounts on to the Spero Financial systems over the weekend of January 29, 2021. On Monday, February 1, AFCU will open as Spero Financial. The Transition Guide was mailed to each AFCU member in late December about specific changes to your account(s), online and mobile banking access, debit cards, and more. If you did not receive, you can access a digital version of the Transition Guide here or contact your local AFCU branch for a printed copy.
You will continue to receive the same great service at all three branches and from the same familiar faces. All AFCU locations would remain open and all active AFCU staff retained.
Your NCUA coverage will not change unless you have accounts at both AFCU and Spero Financial that combined exceed the $250,000 coverage. If you have deposits at both credit unions, please contact your local AFCU branch.
For questions before the transition completion on Monday, February 1, please contact your local AFCU branch. AFCU staff will continue to service your accounts until the partnership is completed. Beginning Monday, February 1, you may contact the Spero Financial Member Service Center at (800) 922-0446.
To prepare for the upcoming transition and review any impacts to your account(s), please reference the Transition Guide for full details.
Yes! The Membership Agreement and Fee Schedule is included in the Transition Guide that was mailed to all AFCU members in late December. Access a digital version of the Transition Guide here.

Becoming One To Better Serve You

Learn more about our history, core values, and mission.

Our Story