Credit union · NCUA insured
Spero Financial CD Rates
Top CarrotSpero Financial’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Spero Financial’s CD rates compare
Compared with banks and credit unions near Greenville, SC, where Spero Financial has the most branches. $10,000, best rate first.
This credit union’s best
Spero Financial
4.25%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $425
Term Share Certificate
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Southern Bank
5.00%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $1,070
Spero Financial CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Spero Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 4.25%APY · 7 terms
Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate dividends paid at maturity | 3.75% | $186 |
| 12 monthsCertificate dividends paid quarterly | 4.25% | $425 |
| 18 monthsCertificate dividends paid quarterly | 4.15% | $629 |
| 24 monthsCertificate dividends paid quarterly | 3.75% | $764 |
| 30 monthsCertificate dividends paid quarterly | 3.80% | $977 |
| 36 monthsCertificate dividends paid quarterly | 3.85% | $1,200 |
| 48 monthsCertificate dividends paid quarterly | 3.90% | $1,654 |
Save to Win Certificate
2.25%APY · 1 term
Early withdrawal fees could reduce earnings and principal on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.25% | $225 |
Sources (1)
- spero.financial/rates · captured Oct 4, 2026
Special-purpose accounts
Coverdell (Educational IRA) Share Certificate
Up to 4.25%APY · 6 terms
Early withdrawal fees could reduce earnings and principal on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 18 months | 4.15% | $629 |
| 24 months | 3.75% | $764 |
| 30 months | 3.80% | $977 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
Sources (1)
- spero.financial/rates · captured Oct 4, 2026
IRA and Roth Term Share Certificate
Up to 4.25%APY · 6 terms
Early withdrawal fees could reduce earnings and principal on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 18 months | 4.15% | $629 |
| 24 months | 3.75% | $764 |
| 30 months | 3.80% | $977 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
Sources (1)
- spero.financial/rates · captured Oct 4, 2026
Junior Term Share Certificate
Up to 4.25%APY · 7 terms
Designed for children under the age of 18. Early withdrawal fees could reduce earnings and principal on the account. Certificate dividends paid at maturity for 6 to 11-month terms and quarterly for 12 to 48-month terms. Automatic renewal at maturity available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCertificate dividends paid at maturity | 3.75% | $186 |
| 12 monthsCertificate dividends paid quarterly | 4.25% | $425 |
| 18 monthsCertificate dividends paid quarterly | 4.15% | $629 |
| 24 monthsCertificate dividends paid quarterly | 3.75% | $764 |
| 30 monthsCertificate dividends paid quarterly | 3.80% | $977 |
| 36 monthsCertificate dividends paid quarterly | 3.85% | $1,200 |
| 48 monthsCertificate dividends paid quarterly | 3.90% | $1,654 |
Sources (2)
All captured Oct 4, 2026
Who can join Spero Financial
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.
Membership information collected October 4, 2026.