Spero Financial Columbia SC Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

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!

Branch History & Mission

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!

Branch Location & Accessibility

Convenient Access and Features

At our Columbia Branch, we prioritize your comfort and convenience. We offer ample parking for our members, ensuring that you can easily find a spot when you arrive. The branch is also fully accessible with ADA-compliant features, including ramps and spacious entrances. Our operating hours are designed with your busy schedule in mind. You can visit us Monday through Friday from 8:30 AM to 5:00 PM for lobby services. If you need assistance outside of 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.

Services Tailored for You

Spero Financial offers a range of services that cater to all your financial needs. Whether you're interested in personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we have solutions ready for you. We also provide business banking services, making it easy for local businesses to thrive with our merchant services and business loans. For those who prefer contactless transactions, we have an ATM available on-site along with a convenient drive-thru service for deposits and withdrawals. If you need to get in touch or have any questions before your visit, feel free to call us at 803-256-3132. We are here to help!

Visit Us Today!

We invite you to come by Spero Financial's Columbia Branch! Experience firsthand the friendly service and community-focused banking that sets us apart. Don't forget that while members can visit us at our physical location, any official correspondence should be sent to the same address: 1025 Pulaski St, Columbia, SC 29201. We look forward to welcoming you soon!

Member Eligibility

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!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

In addition to loans, we offer practical merchant services designed to simplify everyday transactions for your business. Imagine easily accepting payments from customers while keeping track of sales seamlessly. Our solutions are crafted to fit the unique needs of local businesses right here in Columbia, SC. Let us partner with you on this journey. Visit us at 1025 Pulaski St Columbia Sc 29201 or call us at (803) 256-3132 to learn how we can support your business ambitions today!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide comprehensive business banking solutions including merchant services to accept payments seamlessly and various types of business loans to support your growth ambitions.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Columbia Branch offers robust online and mobile banking features. Access your accounts anytime, anywhere, making it easy to check balances, transfer funds, and pay bills right from your phone or computer. Plus, with our ATM and cash withdrawal services available nearby, you can always access your cash when you need it.

Credit Options with Rewards

Our credit cards with rewards are designed not just for spending but for earning back! Enjoy cashback or points on every purchase, making your everyday expenses work for you.

Easy Transactions

We value your time. Our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without stepping inside the branch. For those quick balance checks or withdrawals, our ATMs are equipped for basic access so you can get what you need on the go. At Spero Financial, we recognize that everyone's financial journey is unique. That's why we're committed to providing personalized service tailored to fit your lifestyle and needs. Our friendly staff is always here to help you navigate through our offerings and find the perfect fit for your financial goals. If you're ready to take the next step in managing your finances or if you have any questions about our services, don't hesitate to reach out! Call us at (803) 256-3132 or visit us at 1025 Pulaski St Columbia Sc 29201 today. We look forward to serving you!

Personal Banking Solutions

For individuals seeking reliable banking options, we offer personal banking services that include checking and savings accounts tailored to help you save and grow your money. Need a new vehicle? Our auto loans and vehicle financing options make purchasing your dream car simple and affordable. If you're considering buying a home, our mortgage loans and refinancing services provide flexible terms to suit your budget. We also understand that life can throw unexpected expenses your way; that's why we offer personal loans and debt consolidation to help you regain control over your finances.

Digital & Online Banking

Key Features

We've incorporated features to enhance your banking experience. For instance, you can enjoy the benefits of electronic signature authorization for quick and secure document handling. Plus, our e-statements provide you with instant access to your account statements without the clutter of paper a step toward going green! If you're always on the move, you'll appreciate our mobile application that puts everything you need at your fingertips. You can also take advantage of mobile payments for easy transactions directly from your phone. With these tools, managing your finances becomes not just easier but also more efficient.

Security and Accessibility

We prioritize your security as much as your convenience. Our online platform uses robust encryption technology to keep your personal information safe. You can bank with peace of mind knowing that we are committed to protecting your data. While managing your finances is simple with us, it's also flexible. Need to send money to a friend? While person-to-person transfers aren't available yet, there are many other ways we strive to meet your needs effectively. In summary, at Spero Financial, we aim to empower our members through innovative digital solutions that simplify banking while ensuring top-notch security. Explore all that we offer today by visiting https://spero.financial/!

Financial Strength

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.

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got you covered.

Business Loans

For business owners, our outstanding commercial loans totaling $53,886,280 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to scale an existing one, we have solutions that can help bring your business plans to life.

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're here to guide you through the process with personalized service and support every step of the way.

Refinancing Options

If you're looking for ways to lower your payments or tap into equity, we have refinancing options available across many of our loan products. We encourage you to reach out for more details about eligibility and how we can assist you in making adjustments that better fit your financial situation. At Spero Financial, we're dedicated to supporting our members' financial journeys with clear information and reliable service. You can reach us at (803) 256-3132 or visit us at our branch located at 1025 Pulaski St Columbia Sc 29201 in Columbia, SC. 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 all that we have to offer and see how our loan products can work for you!

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 credit cards can be an excellent tool for building credit while enjoying perks tailored to your spending habits.

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Spero Financial