SPERO FINANCIAL FEDERAL CREDIT UNION - Columbia, SC

Welcome to Spero Financial, your trusted partner in achieving financial success! Located conveniently at 1025 Pulaski St, Columbia, SC 29201, our branch has been serving the community since 1935. With a rich history of over 88 years, we take pride in fostering strong relationships with our 49,188 members and providing them with a wide range of services tailored to their needs. At Spero Financial, we understand that each member's journey is unique. That's why our dedicated team is here to help you navigate your financial goals, whether it's securing a loan, saving for the future, or managing daily expenses. With total assets exceeding $700 million and deposits reaching $43,851,760, you can trust that your money is safe and well-managed. While our members can visit us at our branch location, official correspondence should be sent to the same address: 1025 Pulaski St, Columbia, SC 29201. Our expert staff of 172 employees, led by CEO Brian McKay and Board President Michael Strickland, are committed to providing personalized service that makes banking easy and accessible. We offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Plus, with features like online banking and mobile payments available, managing your finances has never been simpler. With a net worth of $59,484,215 and cash on hand amounting to $8,011,862, Spero Financial stands as a pillar of stability in the community. We invite you to stop by or give us a call at 803-256-3132 to learn more about how we can support your financial journey. Join us today and experience the difference that comes from being part of a credit union that truly cares!

At Spero Financial, our story began in 1935, when we first opened our doors in the heart of Columbia, South Carolina. Over the years, we have grown from a small credit union into a thriving community-focused institution that serves nearly 49,188 members. Our commitment to providing excellent financial services and supporting our local community has remained at the core of our mission. Located at 1025 Pulaski St, Columbia, SC 29201, our branch is conveniently situated near several landmarks, making it easy for members to visit us. We pride ourselves on offering a range of services, including personal banking, auto loans, mortgage options, and business banking solutions. Our drive-thru service and ATM availability ensure that we meet the needs of our busy members effectively. Our mission at Spero Financial is straightforward: to empower individuals and families through accessible financial services while fostering a strong sense of community. We believe that everyone deserves financial support and education to achieve their goals. By partnering with local organizations and participating in community outreach efforts, we strive to make a positive impact in Columbia and beyond. Throughout our history, we've embraced innovation to enhance member experiences. From introducing online banking and mobile payments to ensuring ADA compliance at our branches, we are dedicated to making banking easy and accessible for all. Our total assets now stand at an impressive $700,365,914, reflecting our growth and stability over the years. While members can visit us at 1025 Pulaski St, official correspondence should be sent to the same address as it serves as both our branch and mailing address. Our operating hours are designed for your convenience: 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. As we look toward the future, we invite you to join us on this journey. At Spero Financial, you're not just a member; you're part of a community dedicated to mutual success and support. Explore the benefits of membership today by visiting our website or calling us at 803-256-3132. Together, let's build a brighter financial future!

At Spero Financial, we believe that everyone deserves access to financial support and community. Joining our family is simple and welcoming! If you live, work, worship, or attend school in the Columbia area, you're already eligible to become a member. We aim to create a space where you can thrive financially and feel empowered with our range of services tailored just for you. Plus, as a member of Spero Financial, you'll enjoy benefits like competitive loan rates and personalized banking experiences that big banks just can't offer. To get started on your journey with us, you can find more details about eligibility at this link. Opening an account is straightforward; just visit us at 1025 Pulaski St, Columbia, SC 29201 or give us a call at 803-256-3132 for any questions. We're excited to welcome you into our community!

At Spero Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining the highest standards of financial health to ensure that you can confidently rely on us for your banking needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. 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. 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. With $49,626,493 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust with $8,425 in used auto loans and a total of $563,183,011 in loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our current 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, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $143,370. Total Share Accounts: 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 1025 Pulaski St Columbia Sc 29201 or call 803-256-3132 to learn more about how we can help you achieve your financial goals.