Spero Financial Federal Credit Union


Po Box 10708
Greenville, SC 29603
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.85% →
1-Year CD 0.65% 0.75% →
2-Year CD 1.00% 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Spero Financial is an NCUA insured institution located in Greenville, SC. It was founded in 1935 and has approximately $542.99 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 361
Date Established 1935
Assets $542.99 million
Loans $395.29 million
Deposits $482.08 million
Capital $60.90 million

Field of Membership Restrictions

Multiple common bond - primarily communications and utilities

Deposit Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.80% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
30 Mo CD
1.05% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.30% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $1 $99 Learn MoreShow Less
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 21, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SPERO FINANCIAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.745% 2.690% 0.75 $1,800 $1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Spero Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Spero Financial Locations

Climate Initiatives

SPERO FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Spero Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Spero Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Spero Financial U.S. Average
6.13% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Spero Financial had $3,647,175 in non-current loans and $277,576 in owned assets. To cover these potential losses it had $60,895,263 in net worth and $3,082,337 in loans loss reserves. That gives it a Texas Ratio of 6.13%.

Net Worth
Spero Financial U.S. Average
11.21% 12.22%

Spero Financial FCU has a net worth of 11.21% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Spero Financial

Branches and Savings

What is Spero Financial?

A federal credit union, registered with the NCUA under certificate #361.
Learn more about credit unions here.

Is Spero Financial FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Spero Financial is insured by the NCUA.

Who can join Spero Financial?

Please see Field of Membership information above for information on who is eligible to join.

What are Spero Financial's share account and share certificate rates?

Spero Financial's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Spero Financial?

Spero Financial has total capital of $60.90 million. Full information on Spero Financial's financial position is located above.

Who owns Spero Financial?

Credit Unions are owned by their members.

Where are Spero Financial branches located?

See branch locations nearby.

Are Spero Financial ATMs Open 24/7?

Do Spero Financial ATMs accept cash deposits?

Can Spero Financial customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Spero Financial have a mobile app?

Does Spero Financial have mobile deposit?

Does Spero Financial have quick pay?

How can Spero Financial transfer money to other banks or credit unions?

Does Spero Financial report to credit bureaus?

Does Spero Financial use Chexsystems?

Does Spero Financial use Equifax?

What is Spero Financial's toll free phone number?

What is Spero Financial's ACH Routing Number?

What is Spero Financial's SWIFT code?

Where can I find Spero Financial's wire transfer form?

What is the Spero Financial address for deposits?

What Products Does Spero Financial Offer

Does Spero Financial offer mortgages?

Compare mortgage rates here.

Does Spero Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Spero Financial offer auto and RV loans?

Compare auto loan rates here.

Does Spero Financial offer student loans or personal loans?

Compare personal loan rates here.

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