Spero Financial Anderson SC Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Spero Financial, your trusted partner in financial well-being since 1935. Located at 100 Hanna Xing, Anderson, SC 29621, our branch has been dedicated to serving the community with a strong commitment to trust and reliability. With over 49,188 members, we pride ourselves on fostering meaningful relationships while providing quality financial services tailored to your needs. At Spero Financial, we understand that each member's journey is unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. Our total assets stand at an impressive $700,365,914, ensuring we have the resources to support you every step of the way. While members can visit us at our branch for face-to-face assistance or quick transactions through our drive-thru service, official correspondence should be sent to the same address: 100 Hanna Xing, Anderson, SC 29621. With total deposits reaching $43,851,760 and a net worth of $59,484,215, your savings are secure with us. Under the leadership of our CEO Brian McKay and Board President Michael Strickland, our team of 172 employees is dedicated to enhancing your financial experience. We invite you to join our community and explore how Spero Financial can help you achieve your financial goals. For more information or to speak with one of our friendly representatives, feel free to call us at 864-222-4922. Visit our website at Spero Financial to learn more about becoming a member or opening an account today!

Branch History & Mission

Spero Financial has a rich history rooted in community support and financial empowerment. Established in 1935, our branch located at 100 Hanna Xing in Anderson, SC, has been a cornerstone for local residents for nearly nine decades. Over the years, we have grown from a small credit union to a trusted financial partner, now serving over 49,000 members with total assets reaching $700,365,914. Our mission is clear: to provide exceptional financial services while fostering strong relationships within our community. We believe that everyone deserves access to quality banking services that can help them achieve their dreams. Whether it's through personal banking, auto loans, mortgage options, or business financing solutions, Spero Financial is dedicated to meeting the diverse needs of our members. As we continue to evolve with technology, we ensure that our services remain accessible and user-friendly. Our branch offers digital banking options including online banking and mobile payments, making it easier for members to manage their finances anytime and anywhere. Additionally, we maintain compliance with ADA standards to ensure all members can enjoy our facilities comfortably. Community involvement is at the heart of what we do. We actively engage in outreach programs and partnerships that uplift those around us. From supporting local charities to hosting financial literacy workshops, Spero Financial is committed to making a positive impact in Anderson and beyond. You can visit us at our branch or reach out by phone at 864-222-4922 during our operating hours from Monday to Friday between 8:30 AM and 5:00 PM. For those who prefer virtual assistance, our ITM Virtual Teller service is available from 7:30 AM to 6:00 PM on weekdays. While members can visit us at 100 Hanna Xing for all their banking needs, official correspondence should be sent to the same address as there are no separate mailing instructions. Join us at Spero Financial and discover the benefits of being part of a credit union that truly cares about its members and the community. Together, we can achieve more!

Branch Location & Accessibility

Accessibility Features

At Spero Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services comfortably. We also have ample parking available, so you won't have to worry about finding a spot when you visit.

Operating Hours

We understand that life can get busy, which is why we offer flexible operating hours. You can stop by our lobby Monday through Friday from 8:30 AM to 5:00 PM. For those who prefer virtual assistance, our ITM Virtual Teller is available Monday through Friday from 7:30 AM to 6:00 PM.

Services Offered

Spero Financial provides a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to vehicle financing and mortgage loans, we've got you covered. Additionally, we offer credit cards with rewards and business banking solutions. If you're on the go, take advantage of our ATM availability and drive-thru service for quick deposits and withdrawals. Feel free to give us a call at 864-222-4922 if you have any questions or need assistance before your visit. We're excited to serve you at Spero Financial's Anderson- Highway 81 branch! Come see how we can help you achieve your financial goals today!

Member Eligibility

Becoming a member of Spero Financial is like joining a warm and welcoming family that prioritizes your financial well-being. If you live, work, or worship in the Anderson area, you're likely eligible to join us! We embrace individuals from various backgrounds and situations, making it easy for you to become part of our community. Our members enjoy numerous benefits, including competitive rates on loans and savings accounts, personalized service, and a range of financial products tailored to meet your needs. To learn more about eligibility requirements or to check if you qualify, feel free to visit our detailed page at https://www.spero.financial/become-a-member/. When you're ready to open an account and experience all that we offer, just head over to https://spero.financial/personal-loan/, or give us a call at (864) 222-4922 for any questions. We're here for you at our branch located at 100 Hanna Xing Anderson Sc 29621!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine having a reliable partner to handle your payment processing and cash flow management. Our merchant services provide easy payment solutions that help you serve customers better and manage transactions efficiently. From point-of-sale systems to online payment options, we ensure your business runs smoothly so you can focus on what you do best. Visit us at 100 Hanna Xing Anderson Sc 29621 in Anderson, SC or call us at (864) 222-4922 to learn more about how we can support your business goals today!

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

Business Banking

For entrepreneurs, we offer comprehensive business banking solutions including merchant services and business loans. Whether you need funding to expand operations or tools to accept payments seamlessly, Spero Financial has got you covered.

Credit Cards

Shopping for rewards? Our credit cards come with benefits that fit your lifestyle. Enjoy cashback on purchases while building your credit score it's a win-win!

Easy Access Services

We understand that convenience is key in today's busy world. That's why we offer ATM services for quick cash withdrawals and balance checks. Plus, our drive-thru banking allows you to handle deposits and withdrawals without leaving your car. At Spero Financial, our commitment goes beyond just banking; it's about being there for you when you need us most. We invite you to explore all the ways we can assist in achieving your financial goals. For more information about our services or to get started today, visit us online at Spero Financial or stop by our branch in Anderson! We're excited to serve you!

Loans and Financing

Need a new car? Our auto loans and vehicle financing options provide competitive rates that make buying or leasing a vehicle straightforward. If you're considering purchasing a home or refinancing an existing mortgage, we offer tailored solutions with flexible terms. For those unexpected expenses or personal projects, our personal loans can help ease the burden. We also provide options for debt consolidation, allowing you to combine multiple debts into one manageable payment.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your finances effectively. Whether you're saving for a big purchase or need everyday access to your funds, our accounts offer convenience and flexibility. Imagine having easy access to your money anytime, anywhere our online and mobile banking options make this possible. With just a few taps on your phone, you can check balances, transfer funds, and pay bills without stepping foot in the branch.

Digital & Online Banking

At Spero Financial, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to give you control, convenience, and peace of mind, all from the comfort of your home or on the go. You can easily access your account anytime with our 24/7 online banking services at https://spero.financial/. This means you can check balances, pay bills, and transfer funds whenever it suits you. Plus, our user-friendly mobile application makes banking on your smartphone a breeze. Whether you're at home or out and about, everything you need is just a tap away. Security is a top priority for us. With features like electronic signature authorization, you can sign documents safely online without having to visit a branch. You also have the option to receive e-statements, which not only help you keep track of your finances but also reduce paper waste. If you're looking for modern payment options, our mobile payments feature allows you to make purchases directly from your phone. It's fast and easy perfect for those quick trips when you're on the run! While we currently do not offer person-to-person transfers, we're continuously evaluating our services to ensure they meet your needs. Our team is committed to providing tools that enhance your banking experience. With all these features combined, Spero Financial ensures that managing your money is not just efficient but also enjoyable. So why wait? Start exploring our digital banking services today at https://spero.financial/!

Financial Strength

Commitment to Excellence

Our operational efficiency shines through with a net income of $0, 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.

Growing Member Trust

Total Share and Deposit Accounts: 86,387, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $143,370, demonstrating our commitment to helping you reach your financial goals. 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 100 Hanna Xing Anderson Sc 29621 or call (864) 222-4922 to learn more about how we can help you achieve your financial goals.

Reinvesting in Member Services

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 is significant; with $8,425 in used auto loans and $563,183,011 in total loans and leases, we support our members' financial goals across various sectors.

Secure Savings Options

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.

Strong Financial Health

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.

Loan Offering

Additional Information

If you're considering refinancing or exploring eligibility options for any of these loans, we encourage you to reach out. Our dedicated team is here to assist you every step of the way. You can contact us at 864-222-4922 or visit us at 100 Hanna Xing Anderson SC 29621. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our various loan offerings today and see how Spero Financial can help turn your financial aspirations into reality!

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 make financing straightforward and accessible so you can focus on what matters driving your vehicle with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $53,886,280 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are here to support your success with tailored financing solutions.

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. We can guide you through the process and help you find the right plan that fits your budget.

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 are great for everyday purchases or unexpected expenses without putting extra strain on your budget.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, enabling informed decision-making. 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!" Ready to find the best loan rates? Compare real-time loan offers today at LendMesh and discover options tailored to 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.

How LendMesh Ensures Accurate 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 commitment ensures that users receive fair and transparent offers.

Spero Financial