Credit union · NCUA insured
Spero Financial
Top CarrotA $712.1M credit union headquartered in Greenville, SC, with 45,420 members and 10 branches in South Carolina. Best rates: CDs 4.25% and savings 1.30% APY.
Spero Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 92% of U.S. banks and credit unions
#8 of 33 in Greenville, SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Spero Financial
Spero Financial was founded in 1935 as Greenville Telco Federal Credit Union.
The credit union was formed when William Wirt Stover and 18 other Southern Bell Telephone & Telegraph Company members conducted trades to fellow telecommunication workers.
The credit union expanded services across South Carolina and focuses on serving its members and local communities.
- Headquarters
- 420 E Park Ave Ste 100, Greenville, SC 29601-2237
- NCUA charter
- 361
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in select parts of the counties Spero Financial serves (Anderson, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, and Union counties) are eligible for membership.
Employers and groups
- Individuals who currently work for or are retired from a Select Employee Group (SEG) are eligible for membership.
Family and household
- Individuals who have a family or household member that lives, works, worships, or attends school in select parts of the counties Spero Financial serves are eligible for membership.
- Immediate relatives and household members of a current Spero Financial member are eligible for membership.
- Family or household members of individuals who currently work for or retired from a Select Employee Group are eligible for membership.
Other ways
- Members of the Carolinas Credit Union Foundation's "Friend of the Foundation" are eligible for membership.
Cost to join
- Opening a membership account requires a $5 share deposit, signifying ownership in Spero Financial.
Branches
10 branches in South Carolina
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South Carolina
10 branches
Greenville area · 8
- Anderson- Highway 81100 Hanna Xing, Anderson, SC 29621Directions
- Anderson- Main1720 N Main St, Anderson, SC 29621Directions
- Anderson-Pearman Dairy1434 Pearman Dairy Rd, Anderson, SC 29625Directions
- Easley Branch118 Brushy Creek Rd, Easley, SC 29642Directions
- Mills Avenue300 Mills Ave, Greenville, SC 29605Directions
- Verdae Branch601 Verdae Boulevard, Greenville, SC 29607Directions
- Five Forks Branch117 Batesville Rd Ste 200, Simpsonville, SC 29681Directions
- Taylors Branch3237 Wade Hampton Blvd, Taylors, SC 29687Directions
Columbia area · 1
- Columbia Branch1025 Pulaski St, Columbia, SC 29201Directions
Spartanburg area · 1
- Spartanburg Branch130 N Town Dr, Spartanburg, SC 29303Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.94% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio8.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.94%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Spero Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.