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

Introduction

Welcome to Spero Financial, your trusted partner in financial growth and community support since 1935. Located at 1434 Pearman Dairy Rd, Anderson, SC 29625, we are proud to serve our vibrant community with personalized banking solutions designed to meet your unique needs. With a total membership of 49,188 and assets exceeding $700 million, our commitment to you is stronger than ever. At Spero Financial, we understand that each member's journey is important. That's why we offer a range of services from personal and auto loans to business banking options. Whether you're looking for a new vehicle or planning for the future with savings and investment options, we've got you covered. With total deposits of $43,851,760 and over 28,720 loans issued, we are dedicated to helping you achieve your financial goals. Our experienced team, led by CEO Brian McKay and Board President Michael Strickland, is here to assist you every step of the way. We pride ourselves on our transparent approach and strong community ties, ensuring that every interaction feels like a conversation with a friend rather than just another transaction. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 1434 Pearman Dairy Rd, Anderson, SC 29625. For any questions or assistance, feel free to reach out via phone at 864-328-1200 or send us a fax at 864-232-3072. Join us today and discover how Spero Financial can help you thrive in your financial journey! Visit our website at spero.financial for more information on how to become a member or explore our services further. We look forward to welcoming you into our family!

Branch History & Mission

At Spero Financial, our story begins in 1935, when we first opened our doors to the community in Anderson, South Carolina. Over the years, we have grown from a small credit union into a trusted financial partner for nearly 49,188 members. Our branch, located at 1434 Pearman Dairy Rd, Anderson, SC 29625, stands as a beacon of hope and support for individuals and families seeking financial services tailored to their needs. Our mission is simple yet powerful: to empower our members by providing them with affordable financial solutions while fostering a sense of community. We believe that everyone deserves access to quality banking services that help them achieve their goals. Whether it's through personal banking, auto loans, or business financing, we are committed to making a real impact on the lives of those we serve. Since our inception, we've seen tremendous growth and evolution. With total assets reaching an impressive $700,365,914, we are proud to offer a wide range of services including checking and savings accounts, credit cards with rewards, mortgage loans, and more. Our commitment extends beyond just banking; we actively engage in community outreach initiatives that foster partnerships and support local causes. In today's digital world, Spero Financial embraces technology to enhance member experience. We provide online banking options and mobile payment solutions that make managing finances easier than ever. Our branch is also ADA compliant, ensuring accessibility for all members of the community. While members can visit us at 1434 Pearman Dairy Rd, official correspondence should be sent to the same address as our mailing address: 1434 Pearman Dairy Rd, Anderson, SC 29625. You can reach us directly at 864-328-1200 during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM for lobby services and from 7:30 AM to 6:00 PM for ITM Virtual Teller services. We invite you to join Spero Financial and experience the difference for yourself. Become part of a community where your financial well-being matters. Together, let's build a brighter future! For more information about becoming a member or opening an account with us, visit our website at Spero Financial.

Branch Location & Accessibility

A Friendly Environment

Our branch is designed with your comfort in mind. With ample parking available, including accessible spots for those who need them, we make it easy for everyone to visit us. We are proud to be ADA compliant, ensuring that all members of our community can access our facilities without any barriers.

Flexible Banking Hours

We understand that life can get busy! That's why we offer flexible banking hours to suit your schedule. Our lobby is open Monday through Friday from 8:30 AM to 5:00 PM. If you need assistance outside of these hours, our ITM Virtual Teller service is available Monday through Friday from 7:30 AM to 6:00 PM, giving you more options to handle your banking needs conveniently.

Services Tailored for You

At Spero Financial, we offer a wide range of services to help you manage your finances effectively. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Need cash? Our ATM is readily available for quick withdrawals and balance checks. Plus, enjoy the convenience of basic drive-thru banking for simple transactions like deposits and withdrawals. If you ever need assistance or have questions about our services, don't hesitate to call us at 864-328-1200. Our friendly staff is always ready to help! Whether you're looking to open a new account or just want some financial advice, we invite you to stop by Spero Financial in Anderson today. We look forward to serving you!

Member Eligibility

Welcome to the Spero Financial family! We're excited to invite you to join our supportive community where your financial well-being is our priority. Becoming a member at Spero Financial is simple and open to anyone who lives, works, worships, or attends school in Anderson County. We believe in inclusivity, so even if you're not directly connected to our community, there may still be ways for you to qualify. For detailed eligibility criteria, feel free to check out our resource at this link. Once you've confirmed your eligibility, opening an account with us is a breeze. We offer various services tailored to meet your needs, from personal loans to credit cards that reward your spending. Plus, our friendly team is here to assist you every step of the way. If you have any questions or need assistance, don't hesitate to call us at 864-328-1200. We're located at 1434 Pearman Dairy Rd, Anderson, SC 29625, and we can't wait to help you start your journey with Spero Financial!

Business Banking & Commercial Services

Merchant Services Made Easy

Imagine having the tools you need to accept payments seamlessly, manage your cash flow, and monitor transactions all in one place. Our merchant services offer practical benefits that allow you to focus on what matters most: running your business. By simplifying payment processing and enhancing customer experience, we empower you to enhance your operations and grow your customer base. Whether you're located right here in Anderson, SC, at 1434 Pearman Dairy Rd Anderson Sc 29625, or beyond, let Spero Financial be your partner in achieving business success. Connect with us today at (864) 328-1200 to explore how we can support your journey!

Tailored Loan Solutions

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

Auto Loans & Vehicle Financing

Looking to buy a new car? Our auto loans provide flexible financing options with competitive rates that make purchasing a vehicle easier than ever. Picture yourself behind the wheel of your dream car without the stress of hefty monthly payments. We also offer vehicle refinancing options that can help lower your current payments, allowing you to save more money each month.

Business Banking

Running a business is no small feat, which is why we offer specialized business banking services, including merchant services and business loans. Whether you're launching a startup or expanding an established company, we're here to support you every step of the way.

Convenient Access Options

At Spero Financial, we know convenience matters. That's why we provide ATM services and basic drive-thru banking for quick transactions like deposits and withdrawals. Our ATM allows for easy cash access while ensuring you're always connected to your funds when needed. In today's fast-paced world, managing finances should be simple and accessible. With features like mobile payments and e-statements, keeping track of your finances has never been easier. We invite you to explore all that Spero Financial has to offer! For more information or assistance, please call us at (864) 328-1200 or visit us online at Anderson-pearman Dairy. Let's take this journey together!

Credit Cards with Rewards

Our credit cards come with rewards programs that allow you to earn points on everyday purchases. Think of all the ways you can benefit from using your card from cash back on groceries to travel rewards for your next vacation. Plus, they are equipped with advanced security features for peace of mind.

Mortgage Loans & Refinancing

For those thinking about buying a home or refinancing an existing mortgage, our mortgage loans are designed with your budget in mind. We understand how important it is to find the right home and financial plan for you. With our guidance, you can navigate the mortgage process smoothly and find terms that fit your lifestyle.

Personal Banking

When it comes to personal banking, we offer various checking and savings accounts designed to help you manage your finances easily. Imagine having a hassle-free way to save for that dream vacation or simply to keep your daily expenses organized. Our accounts come with competitive interest rates and easy access through online and mobile banking features. You can check your balance, transfer funds, and even set up alerts right from your phone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. Imagine simplifying your life by combining multiple debts into one manageable payment. We work closely with you to tailor solutions that align with your financial goals.

Digital & Online Banking

Key Features

Our online banking services are available 24/7, giving you the freedom to check balances, transfer funds, and pay bills whenever it suits you. You can also enjoy the benefits of e-statements, which provide an eco-friendly way to stay organized and informed about your transactions. Plus, with electronic signature authorization, signing documents is quick and hassle-free. For those on the go, our mobile application makes banking even more accessible. Whether you want to make payments using mobile payments or keep track of your spending in real-time, our app has got you covered. Although we don't currently offer person-to-person transfers, you can still manage all your other financial needs right from your smartphone.

Security and Ease-of-Use

Security is our top priority. Our online banking platform employs advanced security measures to ensure that your personal information remains safe. You can bank with confidence knowing that your data is protected while you take control of your finances. In summary, Spero Financial provides everything you need for effective account management at your fingertips. From e-statements to a robust mobile app and secure online banking features, managing your money has never been easier or more secure. Visit us today at https://spero .financial/ to explore all these convenient options!

Financial Strength

Committed Team

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. Total Share and Deposit Accounts stand at 86,387, showing a strong and growing member base that trusts us with their finances. 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 1434 Pearman Dairy Rd Anderson Sc 29625 or call (864) 328-1200 to learn more about how we can help you achieve your financial goals.

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.

Reinventing for Your Benefit

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.

Solid 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

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 it easy for you to secure financing for both new and used vehicles, ensuring that you can find the right fit for your lifestyle.

Business Financing

For business owners looking to grow and expand, we also provide outstanding commercial loans totaling $53,886,280. These loans are designed to meet the unique needs of businesses in our community. At Spero Financial, we believe in providing you with clear options and support throughout your borrowing experience. If you're interested in refinancing or would like to know more about eligibility options for our loan products, don't hesitate to reach out. Our dedicated team is available at (864) 328-1200 during our operating hours from Monday to Friday from 8:30 AM to 5:00 PM. For those who prefer virtual interactions, our ITM Virtual Teller is available from 7:30 AM to 6:00 PM on weekdays as well. For more information on how we can assist you with our loan offerings or any other banking services ranging from personal banking to business solutions visit us online at Spero Financial. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Card Loans

Managing day-to-day expenses is easier with our unsecured credit card loans. With a total of $16,798,239 in loans helping members manage their finances effectively, you can enjoy flexible terms and benefits that suit your spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $82,697,426, making buying or refinancing simple. We offer various mortgage products that can be tailored to fit your situation, whether you're a first-time homebuyer or looking to refinance your existing mortgage.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help users navigate the lending landscape with clarity and confidence. LendMesh ensures accurate loan comparisons by sourcing data 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 to data integrity means that users receive fair and transparent offers tailored to their financial needs. One of the key benefits of using LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. Instead, the goal is to provide unbiased results that empower users to make informed decisions. With real-time rate comparisons available from multiple institutions, LendMesh enables users to stay updated on current loan rates. This feature is particularly beneficial for those looking to secure a favorable rate in a competitive market. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to explore your options and find the best rates for your needs, compare real-time loan offers today at LendMesh. *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.*

SPERO FINANCIAL FEDERAL CREDIT UNION - Anderson, SC