Spero Financial Anderson SC Credit Union | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Spero Financial, your trusted partner in financial wellness located at 1720 N Main St, Anderson, SC 29621. Established in 1935, our credit union has been dedicated to serving the community for nearly nine decades. With a strong membership base of 49,188, we pride ourselves on fostering relationships built on trust and mutual support. At Spero Financial, we understand that every member has unique financial needs. That's why we offer a wide range of services including personal banking, auto loans, mortgages, and business financing. Our total assets stand at an impressive $700,365,914, reflecting our commitment to responsible management and growth. We also maintain robust deposits totaling $43,851,760, ensuring that your funds are safe and accessible. Led by our CEO Brian McKay and Board President Michael Strickland, our team of 172 employees is here to help you navigate your financial journey. Whether you're looking for a personal loan or need advice on managing your investments, we're ready to assist you every step of the way. While members can visit us at our Anderson branch for in-person services including our convenient drive-thru we also offer modern banking solutions like online and mobile banking for those who prefer flexibility. If you have any questions or would like to learn more about how we can help you achieve your financial goals, please don't hesitate to call us at 864-225-1254. Join us at Spero Financial where your financial dreams take flight! For more information about becoming a member or opening an account, visit our website at Spero Financial. We look forward to welcoming you into our community!

Branch History & Mission

Welcome to Spero Financial, a community-focused credit union that has been serving the people of Anderson, SC, since 1935. Our branch, located at 1720 N Main St, has grown alongside our vibrant community and is proud to offer a range of financial services designed to empower our members. Over the years, we have expanded our offerings and increased our membership to nearly 49,188 individuals who trust us with their financial needs. Spero Financial was founded with a clear mission: to provide accessible and affordable financial solutions while supporting the growth of our community. This commitment remains at the heart of everything we do. We believe that everyone deserves a chance for financial stability and success. Our total assets now stand at an impressive $700,365,914, reflecting our dedication to responsible growth and sound management. From our humble beginnings to becoming a pillar in Anderson, Spero Financial has continually adapted to meet the evolving needs of our members. We are not just a credit union; we are your neighbors, dedicated to helping you achieve your financial goals through personal banking services such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. At Spero Financial, we understand that accessibility is key. That's why we offer convenient features like ATM availability and drive-thru banking services for easy transactions. Our operating hours are designed with you in mind our lobby is open Monday through Friday from 8:30 AM to 5:00 PM, while our ITM Virtual Teller service runs from 7:30 AM to 6:00 PM on weekdays. As part of our mission, we actively engage in community outreach efforts. We partner with local organizations and participate in events that uplift our neighbors and enhance the quality of life in Anderson. This spirit of giving back is woven into the fabric of Spero Financial and drives us to not only be a resource for financial services but also a supportive member of this wonderful community. While you can visit us at our branch address for all your banking needs, please send any official correspondence to the same location: 1720 N Main St, Anderson, SC 29621. Join us at Spero Financial today! Experience firsthand how we blend exceptional service with community support. Whether you're looking for personal banking options or want to take advantage of our business services, we're here for you every step of the way. Call us at 864-225-1254 or visit spero.financial to learn more about becoming a member today!

Branch Location & Accessibility

A Range of Services at Your Fingertips

Our branch offers a wide array of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we're here to help you achieve your financial goals. Need cash? You can conveniently access our ATM on-site for withdrawals and balance checks. While members can visit us at 1720 N Main St for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at 864-225-1254. We invite you to visit Spero Financial today and discover how we can support your financial journey. Whether you're looking for personal banking options or business solutions, our team is eager to assist you!

Convenient Access for Everyone

At Spero Financial, we prioritize accessibility for all our members. Our branch is equipped with features that ensure everyone can enjoy a hassle-free banking experience. Whether you choose to walk in or use our drive-thru service, we have made sure that parking is convenient and ADA-compliant ramps are available for those who need them.

Flexible Operating Hours

We understand that life can get busy! That's why our lobby hours are designed to fit your schedule: we're open Monday through Friday from 8:30 AM to 5:00 PM. If you need assistance outside these hours, our ITM Virtual Teller service is available from 7:30 AM to 6:00 PM on weekdays, providing flexibility for your banking needs.

Member Eligibility

At Spero Financial, we believe that everyone deserves a supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in the Anderson area, you're likely eligible to join us. We also welcome family members of current members, so you can share the benefits with those you care about. By choosing Spero Financial, you're not just opening an account; you're gaining access to personalized service and financial products designed to help you thrive. Ready to take the next step? Visit our eligibility page at https://www.spero.financial/become-a-member/ for all the details on how to join and what you'll need. Once you're ready, opening your account is straightforward check out more information about that here: https://spero.financial/personal-loan/. If you have any questions or need assistance, feel free to give us a call at (864) 225-1254. We can't wait to welcome you into our community at 1720 N Main St Anderson Sc 29621!

Business Banking & Commercial Services

Merchant Services Made Easy

Managing payments shouldn't be complicated. Our merchant services offer practical solutions that help you accept payments seamlessly, whether online or in-person. Imagine having a payment system that not only speeds up transactions but also keeps your cash flow steady empowering you to focus on what really matters: growing your business. Located at 1720 N Main St Anderson Sc 29621 in Anderson, SC, we're here to partner with you on your journey toward success. Reach out today at (864) 225-1254 to learn more about how our business banking and commercial services can benefit you!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $60 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $58 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $53,886,280, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM & Cash Withdrawal Services ensure that you can easily access your funds whenever necessary. Additionally, our Basic Drive-Thru Banking offers quick service for deposits, withdrawals, and simple transactions without leaving your vehicle. At Spero Financial, we believe in making banking as straightforward as possible. If you're ready to take control of your finances or have any questions about our services, don't hesitate to reach out! Call us at 864-225-1254, visit us in person at our branch in Anderson, or explore more on our website at Spero Financial. Join us today and experience how Spero Financial can help you achieve your financial dreams!

Business Banking

For our business members, we offer comprehensive Business Banking services including merchant services and business loans tailored to help you grow your enterprise. We know running a business comes with its own set of challenges, and we are committed to being a reliable partner in your journey.

Loans and Credit

In addition to auto loans and mortgages, we offer Personal Loans & Debt Consolidation solutions that can help you manage unexpected expenses or consolidate existing debt into one easy payment. Plus, our Credit Cards with Rewards let you earn while you spend, making it easier to enjoy perks on your everyday purchases.

Online and Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to access your accounts anytime, anywhere. From checking balances to transferring funds, everything is just a few taps away on your smartphone or computer.

Personal Banking

We understand that managing your money is essential for achieving your financial goals. That's why we offer Personal Banking options that include both checking and savings accounts. These accounts are designed to fit various lifestyles, allowing you to save for a rainy day or manage daily expenses effortlessly. If you're considering buying a car, our Auto Loans & Vehicle Financing services can get you on the road with competitive rates and flexible terms. For those looking to purchase or refinance their home, our Mortgage Loans & Refinancing options provide guidance and support through every part of the mortgage process.

Digital & Online Banking

Accessible Online Banking

With our comprehensive online banking platform available at https://spero.financial/, you can access your accounts anytime, day or night. Enjoy features like e-statements, which provide you with secure and paperless statements that are easy to view and download whenever you need them. Plus, our electronic signature authorization allows you to complete transactions quickly and securely, making banking as smooth as possible.

Mobile Banking Made Easy

Our mobile application brings the bank to you. With just a few taps, you can check your balance, transfer funds, and even make mobile payments seamlessly. This means no more waiting in line or rushing to the branch everything is available in the palm of your hand! For those times when you need to send money quickly to a friend or family member, we also support person-to-person transfers, ensuring you stay connected financially.

Round-the-Clock Services

Enjoy 24/7 online banking services with us. Whether it's early morning or late at night, you'll have complete control over your finances. Our platform is user-friendly, making it simple for everyone no tech skills required! At Spero Financial, we prioritize security while ensuring our services are accessible and easy to use. Experience the freedom of managing your finances on your terms with our innovative digital banking solutions today!

Financial Strength

A Solid Foundation

With a net worth of $59,484,215, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $848 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Growing Together

Total Share and Deposit Accounts: 86,387, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $143,370. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Spero Financial is your trusted partner. Visit us at 1720 N Main St Anderson Sc 29621 or call (864) 225-1254 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

With $49,626,493 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $8,425 in used auto loans and $563,183,011 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $262,700,713 in share certificates and $84,764,329 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 172 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $121,530,546 in used vehicle loans and $32,747,091 in new vehicle loans already helping members get on the road. We cater to a range of financing needs, ensuring that you can choose a plan that fits your budget.

Credit Lines and Business Financing

For those looking for additional flexibility in their finances or for business purposes, we have total credit lines amounting to $145,859,102 and outstanding commercial loans totaling $53,886,280 available for business owners who need capital to grow and expand.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $82,697,426, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any of your current loans or exploring eligibility options for our various products, our team at Spero Financial is ready to assist you. We believe in making the lending process straightforward and transparent so that you can focus on what matters most. You can visit us at our branch located at 1720 N Main St., Anderson SC 29621, or give us a call at 864-225-1254 for more information on how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join Spero Financial today and take the first step towards securing your financial future!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $16,798,239 in loans helping members manage their finances effectively. These cards can provide great rewards while keeping your spending manageable.

Loan Aggregator

Benefits of Using LendMesh

LendMesh prioritizes transparency and reliability in its offerings: - Verified Data: All loan offers are sourced from trusted financial institutions, ensuring that you receive accurate information. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results tailored to your needs. - Real-Time Rate Comparisons: You get up-to-date loan rates from multiple institutions, empowering you to make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that the offers you see are fair and transparent. Each listing comes from legitimate financial institutions, giving you peace of mind as you explore your options.

Spero Financial