Spero Financial Greenville SC Credit Union

Introduction

Welcome to Spero Financial, your trusted partner in achieving financial well-being. Located at 420 E Park Ave Ste 100, Greenville, SC 29601, our credit union has been serving the community since 1935. With a commitment to our members' needs, we proudly support 49,188 members with access to a variety of services and resources designed to enhance their financial journey. At Spero Financial, we understand that every member is unique. Our leadership team, led by CEO Brian McKay and Board President Michael Strickland, is dedicated to fostering an inclusive environment where everyone feels valued and empowered. We strive not just to meet your banking needs but also to build lasting relationships within our community. With total assets of $700,365,914 and deposits amounting to $43,851,760, we are well-equipped to provide the financial stability you deserve. Our range of loans totaling 28,720 ensures that whether you're looking for a personal loan or business financing, we have options that can help you succeed. Additionally, we maintain a strong net worth of $59,484,215, which reflects our solid position in the market. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 10708, Greenville, SC 29603. We're here for you from Monday through Friday between 8:30 AM and 5:00 PM. Feel free to reach out at 864-232-5553 if you have any questions or need assistance. Join us at Spero Financial as we work together towards a brighter financial future! Visit our website at spero.financial for more information on how we can help you achieve your goals.

Branch History & Mission

Commitment to Innovation

While we honor our legacy, we also embrace the future with digital advancements that enhance your banking experience. Our online banking platform allows members to manage their finances conveniently from anywhere. We offer features such as mobile payments and electronic statements while ensuring ADA compliance so everyone can access our services without barriers.

Join Us

Spero Financial's journey is one of growth and dedication both to our members and the broader community. As we look forward to what lies ahead, we invite you to become part of this inspiring story. Experience firsthand how our commitment to service can make a difference in your life. For more information about becoming a member or exploring our offerings, visit our website or call us at 864-232-5553 today! Join us at Spero Financial, where your financial wellness is our priority!

Our Mission

Our mission at Spero Financial is simple yet profound: We strive to empower our members through accessible financial solutions while fostering community connections. We believe that everyone deserves a chance to thrive financially, which is why we offer a range of services tailored to meet the diverse needs of our members. From personal loans to auto financing, we are dedicated to providing exceptional service with a personal touch. As a member-focused credit union, we emphasize transparency and trust in all our interactions. Our team is here to guide you on your financial journey, ensuring you have the tools necessary for success. We also prioritize community engagement through partnerships and outreach programs designed to uplift those around us.

Branch Location & Accessibility

Welcome to Spero Financial, your friendly neighborhood credit union located at 420 E Park Ave Ste 100 in beautiful Greenville, SC. Nestled in the heart of Greenville County, our branch is easily accessible and conveniently situated near popular landmarks, making it simple for you to drop by. Whether you're on your way to a local shop or enjoying a day out in the park, we're here to serve your financial needs. While members can visit us at our main location, please note that official correspondence should be sent to PO Box 10708, Greenville, SC 29603. Our branch is designed with your comfort in mind. We offer accessible features to ensure everyone can enjoy a smooth banking experience. At Spero Financial, we understand that your time is valuable. That's why we are open Monday through Friday from 8:30 AM to 5:00 PM, ready to assist you with all your banking needs. Though we currently do not offer ATM services or drive-thru banking, our dedicated team is always available inside the branch to help you with everything from opening accounts to discussing loans. Feel free to reach us at 864-232-5553 if you have any questions or need assistance before your visit. We encourage you to stop by and see how we can support your financial journey!

Member Eligibility

At Spero Financial, becoming a member means joining a warm, welcoming community that prioritizes your financial well-being. If you're curious about whether you can join us, you'll be pleased to know that our eligibility criteria are designed to be inclusive. Generally, anyone who lives, works, or worships in the area around 420 E Park Ave Ste 100 Greenville Sc 29601 can become a member. This means that if you're part of our local community, we'd love to have you with us! Membership not only opens doors to personalized financial services but also gives you access to better rates and lower fees compared to traditional banks. Getting started is simple! You can find more detailed information about eligibility and the easy steps to open an account by visiting https://www.spero.financial/become-a-member/. If you have any questions or need assistance, don't hesitate to call us at (864) 232-5553. We're here for you and excited to welcome you into our family at Spero Financial!

Business Banking & Commercial Services

At Spero Financial, we understand that every business has unique needs and dreams. Whether you are starting a new venture or expanding an established company, our business banking and commercial services are designed to fuel your growth. Imagine securing the funding to open a new location or invest in equipment that enhances your operations. This is where our commercial loans come into play. 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. Additionally, our merchant services help streamline payment processes, making it easier for you to focus on what matters most running your business. Whether it's quick transaction processing or reliable customer support, we're here to help you thrive. Visit us at 420 E Park Ave Ste 100 Greenville Sc 29601 in Greenville, SC, and let's discuss how we can partner with you on your journey to success!

Comprehensive List Of Services

Commitment to Member Needs

At Spero Financial, we prioritize the unique needs of our members. We know that each member has different financial goals, whether it's saving for a dream vacation or managing everyday expenses. Our team is always ready to provide personalized guidance to help you navigate through various financial options. If you're curious about how we can assist you further, don't hesitate to reach out! You can contact us at (864) 232-5553 during our lobby hours from Monday to Friday, 8:30 AM to 5:00 PM. We're here not just as a credit union but as a partner in your financial journey. To learn more about joining our community or opening an account with us, please visit our website at Park Avenue. We look forward to serving you and helping you achieve your financial goals!

Emphasizing Digital Banking

In today's fast-paced world, we understand that digital banking is essential. That's why we offer user-friendly online banking options. You can easily access your account from anywhere, whether you're at home or out and about. With features like electronic statements and mobile payments, managing your finances has never been simpler. Plus, our mobile application provides an additional layer of convenience, allowing you to check balances and transfer funds right from your smartphone.

Our Services

One of the standout features at Spero Financial is our commitment to offering ATM Services Only. This service ensures that you have access to your funds whenever you need them, making it easy for you to withdraw cash or check your balance on the go. Imagine having the flexibility to manage your money without the hassle of waiting in line our ATM services are designed for your convenience.

Digital & Online Banking

Key Features

One of the standout features of our digital banking service is electronic signature authorization. This means you can sign documents securely from the comfort of your home, speeding up processes without the need for paper forms. Plus, with e-statements available, you can keep track of your financial activity without cluttering your mailbox. For those who prefer managing their finances on the go, our mobile application makes banking a breeze. With mobile payments enabled, you can make purchases directly from your phone no wallet necessary! While person-to-person transfers aren't currently offered, our other features ensure that members have plenty of ways to manage their funds efficiently. You'll find that accessing money has never been easier or more secure. Whether you're making payments, checking balances, or simply staying updated on your account status, our online banking services are designed with you in mind. Experience peace of mind knowing that your financial information is protected while enjoying the freedom to bank whenever it suits you best. Ready to take control of your banking? Visit us at https://spero.financial/ today and discover all the ways Spero Financial can help simplify your financial life!

Financial Strength

A Growing Community

We have a robust community of trust with 86,387 total share accounts. This strong and growing member base shows that many people rely on us for their financial needs. 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 420 E Park Ave Ste 100 Greenville Sc 29601 or call (864) 232-5553 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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.

Our Strong 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.

Reinvestment for Growth

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. Additionally, with $8,425 in used auto loans and $563,183,011 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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 purchasing a brand-new vehicle or a reliable used one, we've got options that suit your budget and lifestyle.

Business Loans

For business owners looking to expand or stabilize their operations, we have outstanding commercial loans totaling $53,886,280. These loans provide vital capital for business growth and development. If you're considering refinancing options or need information on eligibility requirements for our products, please don't hesitate to ask! We're here to assist you in navigating your borrowing options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Spero Financial, we're committed to supporting our members with transparent lending solutions that make sense for their unique situations. Let us help you take the next step towards achieving your financial aspirations!

Credit Lines and Unsecured Credit Cards

We also provide flexible credit lines totaling $145,859,102, allowing you access to funds whenever needed. Additionally, our unsecured credit card loans amounting to $16,798,239 help members manage their finances effectively while enjoying the convenience of cashless transactions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $82,697,426. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is here to guide you through the process and help you find the best solution.

Loan Aggregator

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Spero Financial