Spero Financial Greenville SC Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Spero Financial at 300 Mills Ave, Greenville, SC 29605! Since our establishment in 1935, we have been dedicated to serving our community with trust and reliability. With a total membership of 49,188 members, we pride ourselves on being more than just a credit union; we are your financial partner committed to your success. At Spero Financial, we understand that each member has unique needs. That's why we offer a wide range of services from personal banking options like checking and savings accounts to auto loans and mortgages. Our total assets stand at an impressive $700,365,914, backed by a solid net worth of $59,484,215. This financial strength enables us to provide you with the best loan products and competitive rates. While our branch is located at 300 Mills Ave, official correspondence can be sent to the same address. We invite you to visit us during our lobby hours from 8:30 AM to 5:00 PM on weekdays or take advantage of our ITM Virtual Teller service available from 7:30 AM to 6:00 PM for your convenience. Under the leadership of our CEO, Brian McKay, and Board President, Michael Strickland, we focus on fostering a supportive environment that empowers our members. With a dedicated team of 172 employees, we're always ready to assist you in achieving your financial goals. Our commitment goes beyond just numbers; we aim to make a positive impact in the lives of our members and the community. With total deposits reaching $43,851,760 and total loans amounting to 28,720, we're here to help you navigate your financial journey with ease. Ready to take the next step? Call us at 864-232-5553 or visit our website at Spero Financial today! Let us help you turn your financial dreams into reality.

Branch History & Mission

Commitment to Innovation and Accessibility

In today's fast-paced world, we understand the importance of accessibility and convenience. That's why we offer digital banking options including online banking and mobile payments. With an ATM available on-site and drive-thru banking for quick transactions, we prioritize your time without compromising on quality service. We also ensure that our facilities are ADA compliant, welcoming everyone into our space with open arms.

Join Us Today!

As Spero Financial continues to grow and adapt, we invite you to be part of our story. Experience firsthand the benefits of membership with us where your financial wellbeing is at the forefront of everything we do. Whether you're looking for a new checking account or planning your future with a mortgage, we're here for you every step of the way. For more information about becoming a member or to explore our services further, please reach out at (864) 232-5553 or visit us online at Spero Financial. Together, let's build a brighter future!

Our Mission

Our mission at Spero Financial is clear: we are dedicated to enriching the lives of our members through personalized financial services and community support. We strive to empower individuals and families by offering products like auto loans, mortgages, and personal loans designed to fit their unique needs. But our commitment goes beyond financial services; we actively engage with our community through outreach programs and partnerships that uplift those around us. While members can visit us at 300 Mills Ave Greenville Sc 29605, official correspondence should be sent to 300 Mills Ave, Greenville, SC 29605. This ensures that all communications are handled efficiently as we continue to provide exceptional service.

Branch Location & Accessibility

Welcome to Spero Financial at 300 Mills Ave, Greenville, SC! Our branch is conveniently located in the heart of Greenville, making it easy for you to access all your banking needs. Whether you're stopping by for a quick transaction or looking for personalized financial advice, we're here to help. Just a short drive from the vibrant downtown area and near popular landmarks, our location is designed with your convenience in mind. We offer ample parking right outside the branch, ensuring that your visit is hassle-free. Plus, our facility is fully ADA compliant with accessible ramps and features, so everyone can enjoy our services. At Spero Financial, we strive to accommodate your busy schedule. Our lobby hours are from 8:30 AM to 5:00 PM on weekdays, while our ITM Virtual Teller service operates even earlier, from 7:30 AM until 6:00 PM. This means you can get assistance when it suits you best! We're proud to provide a range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have everything you need under one roof. If you prefer banking on the go, don't forget about our ATM availability and drive-thru service for quick deposits and withdrawals. While members can visit us at 300 Mills Ave for all their banking needs, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to give us a call at 864-232-5553. We invite you to come by and experience the friendly service at Spero Financial where your financial well-being is our priority!

Member Eligibility

At Spero Financial, we believe that everyone deserves to be part of a caring and supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Greenville area, you're likely eligible to join us. We also invite family members of existing members to become part of our growing family. Joining means you'll enjoy personalized service, competitive rates on loans, and access to a wide range of financial products designed with your needs in mind. To learn more about the eligibility requirements and see if you qualify, check out our detailed information at https://www.spero.financial/become-a-member/. When you're ready to take the next step, opening an account with us is straightforward. Just visit our website for easy instructions at https://spero.financial/personal-loan/ or give us a call at (864) 232-5553 for any questions you might have. We can't wait to welcome you to Spero Financial, located at 300 Mills Ave Greenville Sc 29605, where your financial well-being is our priority!

Business Banking & Commercial Services

Merchant Services That Work

Imagine having the tools you need to handle transactions effortlessly. Our merchant services simplify payment processing, allowing you to focus on what truly matters growing your business. By choosing Spero Financial, you're not just getting a bank; you're gaining a partner dedicated to your success. Visit us at 300 Mills Ave Greenville Sc 29605 in Greenville, SC or call us at (864) 232-5553 to explore how our business banking and commercial services can empower your enterprise!

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

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options make it simpler than ever to drive off in the vehicle of your dreams. We offer competitive rates and flexible terms tailored to fit your budget.

Business Banking

For small business owners, we provide comprehensive business banking services including merchant services and business loans. We understand how vital it is to have reliable banking support when running a business, which is why we're here to help.

Credit Cards with Rewards

Our credit cards come with rewards that give back every time you use them. Picture yourself earning points on purchases that can be redeemed for exciting rewards, making every transaction more rewarding.

Digital Banking Convenience

We know how important convenience is in today's fast-paced world. That's why we offer robust online and mobile banking options. You can check balances, transfer funds, and pay bills from anywhere at any time all at your fingertips! Plus, our ATM services ensure easy cash access whenever you need it.

Drive-Thru & Basic Transactions

For those times when you prefer face-to-face service but are on the go, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. If you're ready to explore these services further or have questions about how Spero Financial can meet your unique needs, don't hesitate to reach out! Give us a call at 864-232-5553 or visit us at our branch location in Greenville. Join us today and experience how we can help you thrive financially!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we guide you through every step of the process.

Personal Banking

Our personal banking services include both checking and savings accounts designed to help you manage your money effectively. Imagine having an easy-to-use savings account that not only keeps your funds safe but also helps you grow them over time. With us, you can also access personal loans for various needs like debt consolidation or unexpected expenses.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to check balances, pay bills, and transfer funds from anywhere, anytime. Whether you're at home or on the go, you can access your accounts securely with just a few clicks. Plus, with our mobile application, you can handle your banking tasks directly from your smartphone, making it easy to stay on top of your finances. You'll appreciate the peace of mind that comes with using electronic signature authorization for transactions. This feature ensures that your sensitive information is protected while allowing you to sign documents electronically saving time and hassle. Additionally, we offer e-statements so you can view and manage your account statements digitally. No more paper clutter; everything is stored securely online.

Pay Smarter and Faster

If you're looking for ways to simplify payments, our mobile payments feature lets you make quick transactions without the need for cash or checks. You can also send money to friends or family members conveniently through person-to-person transfers making splitting bills or sending gifts effortless. At Spero Financial, we are dedicated to providing user-friendly services that enhance your banking experience while keeping security a top priority. From real-time account management to easy access via our mobile app, we're here to support all of your financial needs. So why wait? Explore all these features today at https://spero.financial/ and take control of your banking!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts stand at 86,387, showing a strong and growing member base that trusts us with their finances. With Net Shares available for lending and investments totaling $143,370, we ensure that your funds work effectively for you. 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 300 Mills Ave Greenville Sc 29605 or call (864) 232-5553 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is highlighted by our $0 figure, allowing us to continue offering competitive loan rates and solid financial products for our members. We are proud of our dedicated team of 172 full-time employees who are always ready to assist you with a knowledgeable approach.

Reinvestment 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 commitment to your financial success is reflected in our capacity to support your needs with $8,425 in used auto loans and $563,183,011 in total loans and leases 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 focus 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 robust financial health, enabling 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. Whether you're considering a reliable used vehicle or a brand-new model, our financing options can make it happen.

Credit Lines

Our total credit lines reach an impressive $145,859,102, providing additional financial support for those unexpected expenses or planned purchases. With these lines of credit available, you can take control of your spending without worrying about cash flow.

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 competitive terms and support throughout the process to ensure that your journey to homeownership is as smooth as possible.

Refinancing Options

If you're looking to lower your payments or consolidate debt, we also offer refinancing options tailored to fit your specific needs. Our team is ready to help you understand eligibility requirements and find the best solution for your situation. For more information on our loan products or to discuss how we can assist you further, feel free to reach out at 864-232-5553. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey!

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 can provide you with the purchasing power you need while giving you the flexibility to pay off your balance at your own pace.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that the information you see is not only current but also accurate.

Spero Financial