Spero Financial Spartanburg SC Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Spero Financial, your trusted financial partner located at 130 N Town Dr, Spartanburg, SC 29303. Since our establishment in 1935, we have dedicated ourselves to providing personalized banking solutions that empower our members to achieve their financial goals. With a proud membership of 49,188 and total assets exceeding $700 million, Spero Financial stands as a pillar of strength and reliability in the Spartanburg community. At Spero Financial, we believe in building lasting relationships with our members. Our CEO, Brian McKay, along with Board President, Michael Strickland, lead a passionate team of 172 employees committed to delivering exceptional service. We understand that each member's financial journey is unique, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Whether you're looking to purchase a new vehicle or secure funding for your business ventures, we have the tools and expertise to help you succeed. Currently, our total loans and leases stand at 28,720, while deposits reach an impressive $43,851,760. With a net worth of $59,484,215 and cash readily available at $8,011,862, you can trust that your finances are in good hands. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address. We invite you to explore our website at spero.financial for more information about our services or to open an account today. Join us at Spero Financial where we are not just about numbers; we're about people your goals matter to us! Feel free to call us at 864-585-8999 with any questions or stop by during our lobby hours from 8:30 AM to 5:00 PM, Monday through Friday. Let's work together towards a brighter financial future!

Branch History & Mission

At Spero Financial, we take pride in our rich legacy of service and community support that dates back to our founding in 1935. Located at 130 N Town Dr, Spartanburg, SC 29303, our Spartanburg Branch has been a cornerstone of the community for decades. Over the years, we have grown alongside our members, adapting to their needs while maintaining a steadfast commitment to providing exceptional financial services. As of now, we proudly serve nearly 49,188 members and manage total assets of approximately $700 million. This growth reflects our dedication to fostering financial well-being and empowering individuals and families throughout Spartanburg and beyond. Our mission is simple yet profound: to improve the lives of our members by offering personalized banking solutions that meet their unique financial goals. We believe that everyone deserves access to quality financial services, which is why we strive to create an inclusive environment where all can thrive. The evolution of Spero Financial has been marked by key milestones that demonstrate our commitment to innovation and service excellence. From introducing modern digital banking options like online and mobile banking to ensuring ADA compliance at our branch, we are always looking for ways to enhance the member experience. Our drive-thru service allows for convenient transactions, making banking accessible for those on-the-go. While members can visit us at our branch location in Spartanburg, official correspondence should be sent to the same address: 130 N Town Dr, Spartanburg, SC 29303. We understand the importance of community engagement and actively participate in outreach efforts that give back to local initiatives. Our partnerships with various organizations highlight our commitment to making a positive impact in the lives of those around us. We invite you to join Spero Financial and experience first-hand how we can assist you on your financial journey. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we're here to help you every step of the way. Together, let's build a brighter financial future for you and your family! Reach out today at 864-585-8999 or visit us online at Spero Financial.

Branch Location & Accessibility

Welcome to the Spero Financial Spartanburg Branch, conveniently located at 130 N Town Dr, Spartanburg, SC 29303. We're proud to be a part of this vibrant community in Spartanburg County. Our branch is easily accessible for all members and visitors, with ample parking available right outside our doors. Whether you're stopping by for everyday banking needs or exploring new financial opportunities, we're here to make your experience as smooth as possible. If you need to send us any official correspondence, please use our mailing address: 130 N Town Dr, Spartanburg, SC 29303. While you're in the area, consider visiting nearby landmarks like the beautiful Barnet Park or the bustling downtown Spartanburg, making your trip even more enjoyable. Our branch is designed with accessibility in mind. We provide ADA-compliant features and ramps to ensure that everyone can visit us comfortably. For those on-the-go, we offer convenient drive-thru banking services for quick transactions without leaving your car. Additionally, you can take advantage of our ATM services available on-site for easy cash withdrawals and balance inquiries. We're here for you Monday through Friday from 8:30 AM to 5:00 PM for lobby services. If you need assistance outside those hours, our ITM Virtual Teller is available from 7:30 AM to 6:00 PM on weekdays to help with various banking needs. You can always reach us at 864-585-8999 if you have any questions or need further assistance. At Spero Financial, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage options, personal loans, and credit cards with rewards. Whatever your financial goals may be, our dedicated team is ready to support you every step of the way. We invite you to visit us soon and experience the friendly service that Spero Financial is known for!

Member Eligibility

Becoming a member of Spero Financial is like joining a family that truly cares about your financial well-being. We welcome anyone who lives, works, worships, or attends school in the Spartanburg area to join us. It's our way of fostering a supportive community where everyone can thrive together. If you're looking for a place that values personal connections and offers great financial services, Spero Financial is the perfect fit for you. To start your membership journey, simply visit us at our branch located at 130 N Town Dr Spartanburg Sc 29303 or give us a call at (864) 585-8999. You can find more detailed information about eligibility and the benefits of membership by checking out our website at https://www.spero.financial/become-a-member/. We make it easy to open an account and get started on your path to achieving your financial goals. Join us today and experience the difference!

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

Imagine running your operations smoothly, knowing you have reliable merchant services at your fingertips. From payment processing to point-of-sale systems, we provide tools that make transactions easier for you and your customers. Our merchant services not only streamline payments but also enhance customer experiences, allowing you to focus on what matters most growing your business. Visit us at 130 N Town Dr Spartanburg Sc 29303 in Spartanburg, SC, or call us at (864) 585-8999 to learn how our tailored solutions can help your business flourish.

Comprehensive List Of Services

Business Banking Services

For our members who run businesses, we have tailored solutions just for you! Our business banking services include essential tools like merchant services and flexible business loans, ensuring that you have what you need to succeed in today's competitive market.

Digital Banking Features

In this fast-paced world, convenience matters. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With just a few taps on your smartphone, you can check balances, transfer funds, and pay bills without having to visit the branch. Our ATM services further enhance this convenience by providing easy access to cash withdrawals and balance checks.

In-Person Assistance

If you prefer face-to-face interactions, our branch offers basic drive-thru banking for quick deposits, withdrawals, and simple transactions. Need assistance? Don't hesitate to reach out! You can call us at 864-585-8999 during our lobby hours from Monday to Friday between 8:30 AM and 5:00 PM or utilize our ITM Virtual Teller service available from 7:30 AM to 6:00 PM. At Spero Financial, we strive to create a welcoming atmosphere where members feel valued and supported. Explore all these services today by visiting us at our Spartanburg branch or check out more on our website at spero.financial. Your financial well-being is our priority!

Personal Banking Solutions

Our personal banking offerings are designed with your lifestyle in mind. We provide various checking and savings accounts that suit different needs whether you're saving for a rainy day or looking for convenient daily banking options. For those considering a new car, our auto loans and vehicle financing solutions make getting behind the wheel easy and affordable. Imagine driving off in your dream car without breaking the bank! If homeownership is on your mind, our mortgage loans and refinancing options can help make that dream a reality. We also offer personal loans and debt consolidation services to help simplify your finances and manage expenses more effectively. Plus, our credit cards with rewards allow you to earn while you spend perfect for those who love shopping or traveling.

Digital & Online Banking

Easy Account Management

Managing your finances has never been simpler. Our user-friendly interface means that navigating through your accounts is a breeze, allowing you to focus on what truly matters in life. With everything from viewing balances to scheduling payments available at your fingertips, you'll have real-time control over your finances. Join us at Spero Financial and experience how digital banking can enhance your financial journey today!

Key Services

With our 24/7 Online Banking services, you can check your account balance, transfer funds, and pay bills anytime no need to wait for bank hours. Plus, our mobile application allows you to take your banking with you wherever you go, putting the power of financial management right at your fingertips. For those who prefer paperless options, we provide e-statements that keep your financial information organized and easy to access. And if you ever need to sign documents quickly, our electronic signature authorization feature lets you do it securely from anywhere.

Secure Transactions

Security is paramount at Spero Financial. Our online banking features are designed with your protection in mind. You can make mobile payments quickly and securely, ensuring that every transaction is safe. Although we currently do not offer person-to-person transfers, rest assured that all other transactions are protected by robust security measures.

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. With our commitment to sound financial practices, we ensure that your savings are in safe hands. 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. This focus is reflected in our balanced approach to finance management. 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 $56,318,301 in total loans and leases, including $8,425 in used auto loans. Our operational efficiency is evidenced by our net income of $0, which allows 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 and Deposit Accounts stand at 86,387, showing a strong and growing member base that trusts us with their finances. This trust underpins our ability to provide the quality service you expect from your credit union. 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 130 N Town Dr Spartanburg SC 29303 or call 864-585-8999 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 looking for a brand-new vehicle or a reliable pre-owned option, our team is here to guide you through the process and provide competitive financing solutions.

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 aim to provide flexible terms that fit your budget and lifestyle, making your journey to owning a home smoother than ever.

Other Financing Options

For those looking for additional funding avenues, our total credit lines amount to $145,859,102, offering you the flexibility you need for unexpected expenses or planned investments. Additionally, if you're a business owner, our outstanding commercial loans totaling $53,886,280 provide the capital needed to grow and expand your business. We also understand that refinancing can be a smart choice for many borrowers. If you're considering refinancing any existing loans, our team is ready to discuss eligibility options tailored just for you. At Spero Financial, we're committed to providing transparent information and support throughout your borrowing experience. You can reach us at (864) 585-8999 or visit us during our operating hours from Monday to Friday, 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 and see how we can help you reach your financial goals!

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, but we've got you covered with flexible terms on unsecured credit card loans. With a total of $16,798,239 in loans helping members manage their finances effectively, our credit cards are designed to meet your needs without overwhelming fees.

Loan Aggregator

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Spero Financial