Spero Financial Taylors SC Credit Union | Quick Personal Loans & ATM Services

Introduction

Welcome to Spero Financial, your trusted partner in financial well-being since 1935. Located at 3237 Wade Hampton Blvd, Taylors, SC 29687, our branch is dedicated to serving the local community with a range of banking services designed to meet your needs. With over 49,188 members and total assets reaching an impressive $700,365,914, we take pride in being a reliable resource for both personal and business banking. At Spero Financial, we understand that every member's journey is unique. That's why we offer a variety of products, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. Our commitment to excellence is reflected in our strong financial foundation, with total deposits amounting to $43,851,760 and a net worth of $59,484,215. While you can visit us at our Taylors branch for all your banking needs, official correspondence should be directed to the same address. Our friendly team of 172 employees, led by CEO Brian McKay and Board President Michael Strickland, is here to assist you from Monday to Friday during our operating hours of 8:30 AM to 5:00 PM. We also offer virtual teller services from 7:30 AM to 6:00 PM for added convenience. Whether you're looking to open a new account or secure a loan for your next big purchase, we invite you to explore what Spero Financial has to offer. For any inquiries or assistance, feel free to call us at 864-527-5321. Join us today and experience personalized service that puts you first! Visit our website at spero.financial for more information.

Branch History & Mission

Welcome to Spero Financial, a cornerstone of the Taylors community since 1935. Our branch, located at 3237 Wade Hampton Blvd, Taylors, SC 29687, has grown alongside its members, evolving from humble beginnings into a trusted financial partner. Over the years, we have proudly served nearly 49,188 members with total assets exceeding $700 million. This remarkable journey reflects our commitment to providing quality financial services while fostering a strong sense of community. At Spero Financial, our mission is simple yet profound: to empower individuals and families through accessible financial solutions and unwavering support. We believe that everyone deserves the opportunity to achieve their financial goals. That's why we offer a range of personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We're dedicated to helping our members navigate their financial journeys with confidence. Our branch has witnessed significant milestones throughout its history. From expanding our services to introducing innovative digital banking options, we've always prioritized the needs of our members. Whether it's through online banking or mobile payments, we strive to make managing finances easier and more convenient for you. We also understand the importance of being present in our community. That's why we actively engage in local outreach programs and partnerships aimed at supporting various causes and initiatives. Our goal is not only to provide excellent banking services but also to contribute positively to the lives of those around us. While members can visit us at our main location for all their banking needs, official correspondence should be sent to the same address: 3237 Wade Hampton Blvd, Taylors, SC 29687. We are open Monday through Friday from 8:30 AM to 5:00 PM for lobby hours and from 7:30 AM to 6:00 PM for ITM Virtual Teller services. With ATM availability and drive-thru banking options, we make it easy for you to access your funds whenever you need them. If you're looking for a credit union that values both service and community connection, look no further than Spero Financial. Join us today and experience firsthand how we can help you achieve your financial dreams! For more information on membership or services offered, feel free to reach out at 864-527-5321 or visit our website at Spero Financial. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call Us or Stop By!

At Spero Financial, we're dedicated to providing exceptional service tailored just for you. If you have questions or need assistance, feel free to call us at 864-527-5321 or visit us in person at our Taylors Branch. We're here to help you navigate your financial journey with ease and confidence!

Convenient Features for Everyone

At Spero Financial, we believe in making banking accessible for all. Our Taylors Branch is fully compliant with ADA standards, featuring ramps and wide entryways to welcome everyone. If you prefer a drive-thru experience, you'll be pleased to know that we offer this service for quick deposits and withdrawals. Plus, our ATM is available for added convenience, allowing you to handle cash transactions whenever it suits you.

Operating Hours Designed for You

We understand that life can get busy. That's why our lobby hours are designed to fit your schedule open Monday through Friday from 8:30 AM to 5:00 PM. If you're an early riser or need assistance after regular hours, our ITM Virtual Teller service is available from 7:30 AM to 6:00 PM on weekdays. This means you can access many of our services even outside traditional banking hours.

Member Eligibility

At Spero Financial, we believe that everyone deserves a chance to thrive in their financial journey. Becoming a member is simple and welcoming, and it opens the door to a community focused on supporting each other. To be eligible for membership, you need to meet a few straightforward criteria. If you live, work, or worship in certain areas of South Carolina, or if you are related to someone who is already a member, you're likely in! This means that many people can join and enjoy the benefits of being part of our family. For detailed eligibility information, feel free to check out our website at https://www.spero.financial/become-a-member/. Once you find that you meet the eligibility requirements, opening an account is just as easy! You can start your journey with us online or by giving us a call at (864) 527-5321. We're here to help guide you through the process so you can take advantage of all the advantages that come with being part of Spero Financial. From personal banking services to loans and credit options, becoming a member means you're never alone on your financial path. Join us today at our branch located at 3237 Wade Hampton Blvd Taylors Sc 29687, and let's achieve great things together!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to our loan offerings, we provide merchant services designed to simplify transactions and enhance customer experiences. Imagine processing payments quickly and securely while focusing on what you do best running your business. Our merchant services can help you accept various payment methods seamlessly, allowing you to serve your customers better. Located at 3237 Wade Hampton Blvd Taylors Sc 29687 in Taylors, SC, we're here to partner with you on your journey toward success. Contact us today at (864) 527-5321 to learn more about 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

Business Banking Solutions

For entrepreneurs, we offer business banking services including merchant services and business loans. These services are designed to help small businesses thrive by providing the financial support needed to grow and succeed.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer features like ATM access for quick cash withdrawals and drive-thru banking for simple transactions without leaving your car. Our ITM Virtual Teller service extends our hours, allowing you to connect with us from 7:30 AM to 6:00 PM on weekdays. At Spero Financial, we strive to create a welcoming environment where members feel valued and supported. We invite you to visit us or give us a call at (864) 527-5321 to learn more about how we can assist with your financial journey. Join us today at Taylors Branch we're excited to help you achieve your financial goals!

Credit Cards with Rewards

Looking for a credit card that rewards you for your spending? Our credit cards come with enticing rewards programs that let you earn points for every dollar spent. Whether it's travel perks or cashback options, we've got something to suit your lifestyle.

Loans Tailored for You

Need a new car? Our auto loans and vehicle financing options are designed to get you on the road quickly. We provide flexible terms and competitive rates to help you drive away with confidence. If you're thinking about buying a home or refinancing your existing mortgage, our mortgage loans offer great solutions for various needs. Plus, if you're dealing with debt, our personal loans for debt consolidation can help simplify your finances.

Personal Banking

We understand that personal finance can be overwhelming. That's why we offer personal banking options like checking and savings accounts that make it easy for you to manage your money. Imagine having an account that not only helps you save but also offers competitive interest rates and no monthly fees! With our online and mobile banking features, you can check balances, transfer funds, and pay bills anytime, anywhere.

Digital & Online Banking

Key Features

One of the standout features at Spero Financial is our electronic signature authorization, allowing you to complete transactions quickly and securely without the need for paper forms. Additionally, we provide e-statements to help you go green while keeping your financial records organized and accessible. For those who prefer mobile banking, our dedicated mobile application gives you the freedom to bank on the go. You can easily make mobile payments, ensuring that paying for goods and services is both quick and hassle-free. Although we currently do not support person-to-person transfers, our other features cover most of your banking needs effectively. Overall, at Spero Financial, we prioritize accessibility and ease-of-use so that managing your finances feels effortless. From real-time account management to secure transactions from the comfort of your home or on the move, we've got you covered every step of the way. Experience modern banking today with us!

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 understand the importance of having a reliable financial partner, which is why we are proud to share our strong financial standing with you. 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, stronger lending options, and enhanced security measures to serve our members better. We are committed to supporting your financial goals, reflected in our $8,425 in used auto loans and $563,183,011 in total loans and leases. Our operational efficiency is evident through 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 who are always ready to assist you with knowledgeable service. Net Shares (Funds available for lending and investments): $143,370. Total Share and Deposit Accounts: 86,387, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 3237 Wade Hampton Blvd Taylors Sc 29687 or call (864) 527-5321 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 provide flexible financing options for both new and used vehicles to fit any budget. Plus, if you're considering refinancing your current auto loan, we can help you explore your options.

Business Loans

For business owners looking for financial support to grow and expand their operations, we have outstanding commercial loans totaling $53,886,280 available. These loans provide essential capital for various business needs. At Spero Financial, we prioritize your financial well-being and aim to help you navigate the borrowing process seamlessly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you're interested in learning more about our loan products or want to see if you're eligible for membership and our services, don't hesitate to reach out! You can contact us at (864) 527-5321, or visit our website at spero.financial. Let us assist you in taking the next step toward fulfilling your financial goals!

Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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, our credit cards come with competitive rates and rewards programs designed to make everyday spending rewarding.

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 are a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through 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 consumers make informed financial decisions without the stress. 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 approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov). By using verified data from legitimate financial institutions, LendMesh builds a trustworthy platform for comparing loans. One of the standout features of LendMesh is its commitment to impartiality. There are no sponsored listings; lenders are not prioritized based on paid promotions. This means users can trust that the results they see reflect genuine loan options available in the market. Additionally, LendMesh provides real-time rate comparisons, ensuring that users have access to up-to-date information when making their choices. 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!" Such testimonials underline the effectiveness and reliability of this tool. 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