Spero Financial Simpsonville SC Credit Union | Top Auto Loans & Business Banking

Introduction

Welcome to Spero Financial, your trusted partner in financial well-being since 1935. Located at 117 Batesville Rd Ste 200, Simpsonville, SC 29681, we take pride in serving our community with dedication and integrity. With a total membership of 49,188, we are more than just a credit union; we are a family that values each member's financial journey. At Spero Financial, we understand that life can be unpredictable, which is why we're here to provide you with the tools and support you need to achieve your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or even mortgage refinancing, our team is committed to helping you every step of the way. With total assets exceeding $700 million and total deposits amounting to $43,851,760, we ensure your money is safe and secure while offering competitive loan options. Under the leadership of our CEO, Brian McKay, and Board President, Michael Strickland, we prioritize transparency and trust. Our dedicated team of 172 employees works tirelessly to deliver exceptional service tailored to your needs. We invite you to experience the difference at Spero Financial. While members can visit us at our convenient branch location in Simpsonville, official correspondence should be sent to the same address for consistency: 117 Batesville Rd Ste 200, Simpsonville, SC 29681. We encourage you to reach out at (864) 757-5544 for any questions or assistance. Discover more about our services by visiting our website at Spero Financial. Join us today and let's build a brighter financial future together!

Branch History & Mission

Community Commitment

Spero Financial actively engages with the community through partnerships and outreach efforts aimed at promoting financial literacy and well-being. By collaborating with local organizations and hosting workshops, we empower individuals with the knowledge they need to make informed financial decisions. As we look ahead, we invite you to become part of this inspiring story. Join us at Spero Financial and experience firsthand the benefits of being a member of a credit union that truly cares about your financial health and community growth. Connect with us today by calling (864) 757-5544 or visiting our website for more information on how you can become a member!

Our Evolution

From our inception, Spero Financial has been dedicated to providing accessible financial services tailored to meet the diverse needs of our members. Over the decades, we have expanded our offerings significantly. Today, we provide personal banking services such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. We also cater to businesses with essential banking services like merchant solutions and business loans. As times have changed, so have we. Our commitment to embracing technology ensures that our members can access their accounts anytime through online and mobile banking platforms. We strive to keep our services ADA compliant and user-friendly for everyone in our community.

Our Mission

At the core of Spero Financial's mission is a deep-rooted belief in enriching lives and uplifting communities. We aim not only to provide financial solutions but also to foster relationships built on trust and support. We are here to help you navigate your financial journey whether that's buying your first car or planning for retirement. While members can visit us at 117 Batesville Rd Ste 200 Simpsonville Sc 29681, official correspondence should be sent to 117 Batesville Rd Ste 200, Simpsonville, SC 29681. Our branch operates Monday through Friday from 8:30 AM to 5:00 PM, with extended hours for our ITM Virtual Teller from 7:30 AM to 6:00 PM.

Branch Location & Accessibility

Convenient Access and Features

At Spero Financial, we understand that convenience is key. That's why our branch offers ample parking and features that ensure easy access for all members, including ADA-compliant ramps. Whether you're stopping by for personal banking or exploring loan options, you'll find everything you need right here in a friendly atmosphere. Our lobby hours are designed with your schedule in mind, opening Monday through Friday from 8:30 AM to 5:00 PM. For those who prefer an earlier start, our ITM Virtual Teller service opens at 7:30 AM and stays available until 6:00 PM on weekdays. This flexibility allows you to manage your finances at a time that works best for you.

Join Us Today!

We invite you to experience the welcoming environment at Spero Financial's Five Forks Branch. Our dedicated team is ready to assist you with all your banking needs. Feel free to call us at 864-757-5544 if you have any questions or if you'd like more information about our services. We look forward to serving you soon!

Services Tailored to Your Needs

Spero Financial offers a wide range of services tailored to meet the needs of our members. From checking and savings accounts to auto loans and credit cards with rewards, we aim to provide personalized solutions that help you reach your financial goals. Need cash? Our branch has an ATM available for your convenience. While visiting us at 117 Batesville Rd Ste 200, please note that any official correspondence can be sent to the same address as our mailing address remains the same.

Member Eligibility

At Spero Financial, we believe that everyone deserves to be part of a caring community. Becoming a member is easy and welcoming! If you're located in the area or have a connection to our community, you may be eligible to join us at our branch located at 117 Batesville Rd Ste 200 Simpsonville Sc 29681. Our membership is open to individuals who live, work, worship, or attend school in specific regions or have family members already with us. We're here to support your financial journey with a range of services tailored just for you. To learn more about the specific eligibility criteria and see if you qualify, we encourage you to visit our detailed guide at https://www.spero.financial/become-a-member/ . Once you're ready to take the next step towards membership, opening an account is simple! You can find all the information you need on how to get started by visiting https://spero.financial/personal-loan/ . If you have any questions or need assistance, feel free to give us a call at (864) 757-5544. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Commercial 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, our merchant services simplify transactions so you can focus on what matters running your business. Imagine easily accepting payments from customers with our reliable point-of-sale systems and online payment options. Our services enhance customer experience and streamline your operations. Located at 117 Batesville Rd Ste 200 Simpsonville Sc 29681 in Simpsonville, SC, we're here to partner with you on your journey to success. For more information, give us a call at (864) 757-5544 or visit us online at Spero Financial.

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, we offer comprehensive business banking solutions, including merchant services and business loans tailored to help you grow. Whether you're just starting out or looking to expand, we can assist in managing your finances effectively.

Convenient Access

Accessing these services is made easy with our online and mobile banking platforms. You can conduct transactions, pay bills, and keep track of your finances whenever it suits you best. Plus, our ATM services provide basic access for withdrawals and balance checks around the clock. In today's fast-paced world, convenience matters. That's why at Spero Financial, we strive to deliver a range of services that meet your needs seamlessly. If you're ready to take the next step towards better financial management or have any questions about how we can assist you further, don't hesitate to reach out! Give us a call at (864) 757-5544 or visit us at 117 Batesville Rd Ste 200 Simpsonville Sc 29681. We look forward to serving you!

Credit Cards and Rewards

Don't forget about our credit cards with rewards! These cards are not only practical for everyday purchases but also allow you to earn points on what you spend. Imagine earning cash back just for using your credit card on groceries or gas!

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed to help you manage your money easily. With features like online banking and mobile payments, you can access your accounts anytime from anywhere. Imagine being able to check your balance or transfer funds right from your phone while waiting in line at the grocery store! When it comes to financing, we provide auto loans and vehicle financing options that make purchasing a new car more attainable. Picture yourself driving away in your dream car without the stress of overwhelming monthly payments. Our competitive rates mean you can find a plan that suits your budget perfectly. For those considering homeownership, our mortgage loans and refinancing services can guide you through the process smoothly. We understand that buying a home is one of the biggest decisions you'll make, which is why we're here to support you every step of the way. If you're dealing with unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. It's all about making sure our members feel secure and supported.

Digital & Online Banking

Enhanced Security and Accessibility

Your security is our top priority. We utilize advanced technology to protect your personal information and ensure safe transactions. Our 24/7 online banking services mean that help is always available whenever you need it. While we don't currently support person-to-person transfers, our other digital features provide a robust framework for managing your finances effectively. Enjoy real-time account management without any hassle! At Spero Financial, we're committed to making banking accessible and straightforward for everyone. Experience the ease of digital banking today!

Key Features of Our Digital Banking Services

With our online banking platform at https://spero.financial/ , managing your money has never been easier. You can check balances, transfer funds, and pay bills effortlessly. Plus, our electronic signature authorization feature allows you to sign documents securely online, saving you trips to the branch. Prefer going paperless? We offer e-statements for all members, ensuring you have easy access to your financial information while helping the environment. You can view and download your statements whenever needed. For those who are always on the move, our mobile application makes banking even more convenient. Not only can you perform all your online banking tasks through it, but you can also make mobile payments with ease. Whether you're splitting a bill with friends or making purchases at your favorite stores, our app has got you covered.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our $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 and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Member Base

Total Share and Deposit Accounts: 86,387, show a strong and growing member base that trusts us with their finances. This trust allows us to foster an environment where your needs come first. 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 117 Batesville Rd Ste 200 Simpsonville Sc 29681 or call (864) 757-5544 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

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. Our lending capacity supports your financial goals with $8,425 in used auto loans and $563,183,011 in total loans and leases.

Solid Financial Health

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.

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 provide financing options for both new and used vehicles so you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $53,886,280 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support you with financing solutions that cater specifically to your needs. Our team is ready to assist you with refinancing options or eligibility inquiries to ensure you get the best loan product for your financial journey. If you're interested in exploring these opportunities further or have any questions about our offerings at Spero Financial located at 117 Batesville Rd Ste 200, Simpsonville SC 29681, please don't hesitate to reach out at 864-757-5544. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial goals!

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. Whether you're looking to consolidate debt or make everyday purchases more manageable, our credit card options provide the convenience you need.

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 offer tailored solutions to suit your financial situation and help you navigate the path to owning your home.

Loan Aggregator

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SPERO FINANCIAL FEDERAL CREDIT UNION - Simpsonville, SC