Spero Financial Greenville SC Credit Union | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to Spero Financial, your trusted partner in personal and business banking since 1935. Located at 601 Verdae Boulevard, Greenville, SC 29607, our Verdae Branch is committed to serving our community with a range of financial services tailored to meet your needs. With a total membership of 49,188 and assets exceeding $700 million, we pride ourselves on being a reliable resource for all your banking requirements. At Spero Financial, we understand that each member's journey is unique. That's why we offer everything from checking and savings accounts to auto loans and mortgage financing. Our dedicated team, led by CEO Brian McKay and Board President Michael Strickland, works tirelessly to ensure you receive the best possible support. As of now, our total deposits stand at $43,851,760, with a healthy net worth of $59,484,215. We also maintain a cash reserve of $8,011,862 to ensure stability and security for our members. Whether you're looking for personal loans or business financing options with a net member business loan balance of $96,472,726, we've got you covered. While members can visit us at our branch location for face-to-face interactions, official correspondence should be sent to the same address: 601 Verdae Boulevard, Greenville, SC 29607. You can reach us at (864) 297-8984 during our operating hours from Monday to Friday between 8:30 AM and 5:00 PM for lobby services or from 7:30 AM to 6:00 PM for ITM Virtual Teller services. Join us today at Spero Financial where your financial goals become our priority! Visit our website at spero.financial or stop by the branch we're here to help you thrive!

Branch History & Mission

At Spero Financial, our story began in 1935, right here in the heart of Greenville, SC. Over the decades, we have grown from a small community-focused credit union to a trusted financial partner for nearly 50,000 members. Located at 601 Verdae Boulevard, our branch has become a cornerstone of the local community, providing essential financial services while fostering strong relationships with our members. Our mission is simple yet profound: to enhance the financial well-being of our members and support the communities we serve. We believe that everyone deserves access to quality financial products and services, which is why we offer a wide range of options including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Each product is designed with our members' needs in mind, ensuring that they can achieve their financial goals. In addition to traditional banking services, we are proud to embrace technology to make banking easier and more accessible. Our digital tools allow members to manage their accounts online or through mobile apps. We also prioritize accessibility with ADA-compliant facilities and services. Our drive-thru banking option provides convenience for those on the go, and we offer an ATM on-site for quick cash withdrawals. As we look back on our rich history, we celebrate not just our growth but also our commitment to community outreach. Spero Financial actively partners with local organizations to support educational programs and initiatives that uplift our neighbors. Our total assets now exceed $700 million, showcasing our stability and ability to give back. While members can visit us at 601 Verdae Boulevard for all their banking needs, official correspondence should be sent to the same address as our mailing address remains unchanged. If you're looking for a credit union that truly cares about its members and community, consider joining Spero Financial today. Experience firsthand how we can help you achieve your dreams while being part of a supportive family atmosphere. To learn more or open an account, visit us online at Spero Financial.

Branch Location & Accessibility

Come Visit Us!

While members can visit us at 601 Verdae Boulevard, official correspondence should be sent to the same address. Our dedicated staff is ready to help you with a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. For any questions or assistance, feel free to call us at 864-297-8984. We look forward to welcoming you at Spero Financial!

Drive-Thru and ATM Services

In a hurry? Take advantage of our drive-thru service for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, we have an ATM on-site for even more convenience, allowing you to access cash and check balances any time.

Easy Access and Amenities

Getting to our branch is a breeze! We offer ample parking space, ensuring that you can park without hassle. For those who may need assistance, we are fully ADA compliant, featuring ramps and accessible entrances to accommodate everyone.

Operating Hours That Fit Your Schedule

We understand that life can be busy, which is why our lobby hours are designed to fit your schedule. You can visit us Monday through Friday from 8:30 AM to 5:00 PM. If you need assistance outside of those hours, our ITM Virtual Teller service is available from 7:30 AM to 6:00 PM on weekdays.

Member Eligibility

Joining the Spero Financial family is not just about banking; it's about becoming part of a warm and welcoming community that truly cares. To become a member of Spero Financial, located at 601 Verdae Boulevard, Greenville, SC 29607, you need to meet some simple eligibility criteria. If you live, work, worship, or attend school in certain areas around Greenville or if you're a family member of an existing member, you're likely eligible to join us! It's all about creating connections and supporting one another. For detailed eligibility information, feel free to check out our website at spero.financial/become-a-member. Becoming a member at Spero Financial comes with fantastic benefits like personalized service and a variety of financial products tailored just for you. Opening your account is easy! You can find everything you need to know about the process at spero.financial/personal-loan. If you have any questions or want to learn more, don't hesitate to give us a call at 864-297-8984. We're here to help you every step of the way!

Business Banking & Commercial Services

Business 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.

Merchant Services

In addition to loans, we offer robust merchant services tailored to meet your needs. Imagine being able to accept payments seamlessly from customers, whether they prefer cash, credit, or mobile payments. Our merchant services equip you with the tools necessary to enhance your customer experience while keeping your transactions secure and efficient. Located at 601 Verdae Boulevard Greenville Sc 29607 in Greenville, SC, our dedicated team is here to assist you. Reach out today at (864) 297-8984 and discover how we can help your business thrive!

Comprehensive List Of Services

Accessibility and Convenience

At Spero Financial, convenience is key. With our ATM and cash withdrawal services, you can access your money whenever you need it. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days when every minute counts. We understand that life can get hectic, which is why we provide flexible hours at our branch from Monday to Friday between 8:30 AM and 5:00 PM, along with ITM Virtual Teller services available from 7:30 AM to 6:00 PM. This means you can get assistance when it suits you best!

Business Banking

For entrepreneurs and small business owners, we have tailored solutions that include merchant services and business loans. These services can help streamline operations and provide the capital needed to grow your business. Picture this: having a reliable partner who understands the challenges of running a business while providing tools that simplify transactions.

Join Us Today!

Whether you're already a member or considering joining us, we invite you to explore all the services available at Verdae Branch. Our friendly team is ready to assist you with any questions you may have about opening an account or applying for a loan. Give us a call at (864) 297-8984, or visit us online at https://spero.financial/ to learn more about how we can help you achieve your financial goals. Experience the difference at Spero Financial, where we put members first!

Loans and Financing

If you're considering purchasing a vehicle or refinancing your home, our auto loans and mortgage options are designed with competitive rates to help you save money. We also provide personal loans for debt consolidation or unexpected expenses think of it as a safety net for life's little surprises. Our credit cards with rewards can help you earn points on everyday purchases, making your spending work for you.

Personal Banking

For those looking to manage their personal finances more effectively, we offer a variety of personal banking services. Open a checking or savings account with us and enjoy easy access to your funds through our online and mobile banking platforms. You can check your balance, transfer funds, and even make payments right from your smartphone. Imagine being able to deposit checks from home or pay bills without ever stepping foot in a branch!

Digital & Online Banking

Accessibility and Support

Navigating finances shouldn't be complicated. At Spero Financial, we strive to provide an intuitive banking experience so you can focus on what really matters. Our dedicated team is here to assist you every step of the way. Whether you have questions about online banking or need help navigating our services, we're just a phone call away at (864) 297-8984. Experience the ease of managing your finances digitally with Spero Financial where convenience meets security in every transaction!

Key Features

We prioritize your security with electronic signature authorization for important documents, ensuring that your information stays safe while giving you the flexibility to sign contracts from home. Additionally, our e-statements feature allows you to receive your account statements electronically, reducing paper clutter and providing instant access to your financial records. If you're looking to make payments quickly, our mobile payments feature simplifies transactions with just a tap. And while person-to-person transfers aren't available right now, we're always exploring ways to enhance our offerings for our members.

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 proud to share our financial health with you, as it reflects our commitment to serving your needs now and in the future. 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 supports your financial goals with $8,425 in used auto loans and a total of $563,183,011 in loans and leases available across various sectors. Our operational efficiency is reflected in our 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. Total Share Accounts stand at 86,387, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $143,370. 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 601 Verdae Boulevard, Greenville SC 29607 or call 864-297-8984 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. We also provide options for refinancing your existing auto loan to help you save more each month.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $53,886,280 provide the capital needed for growth and expansion. We understand the unique challenges businesses face and are here to support your journey. At Spero Financial, we pride ourselves on offering personalized service and competitive rates across all our loan products. If you're interested in learning more about eligibility or want to explore refinancing options, don't hesitate to reach out! You can call us at 864-297-8984 during our operating hours from Monday to Friday between 8:30 AM - 5:00 PM. 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 your options today with Spero Financial where your financial future begins!

Credit Card Options

For those looking to manage their finances effectively, we also offer flexible terms on unsecured credit card loans. With a total of $16,798,239 in loans helping members handle everyday expenses and unexpected costs alike, our credit cards are designed with your convenience in mind.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $82,697,426. We make buying or refinancing simple and straightforward. Our team is here to guide you through every step of the process.

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. With a focus on transparency and reliability, LendMesh is designed to help users navigate their borrowing options with 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. This adherence to established regulations guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). The benefits of using LendMesh are clear: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions about their borrowing needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the tool in assisting borrowers in making better financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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