Credit union · NCUA insured
Spero Financial Credit Card Rates
Top CarrotSpero Financial credit card rates start at 13.65% APR. Rates checked October 22, 2026.
How Spero Financial’s credit card rates compare
Compared with banks and credit unions near Greenville, SC, where Spero Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Spero Financial
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
2nd-lowest rate
Peach State Federal Credit Union
8.90%APR
- Annual fee
- None
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.65%–18.00% | None | Variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances after intro period. |
| Intro, 6 months | 0.00% | None | 0% intro APR for 6 months from open date on purchases, balance transfers, and cash advances. Balance transfer fee is 2.5% of amount transferred (min $15, max $125) during 0% intro rate period only, then $0. After intro period, variable APR of 13.65%-18.00% applies. |
Platinum Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.65%–18.00% | None | Variable APR based on creditworthiness. Applies to purchases, balance transfers, and cash advances after intro period. |
| Intro, 6 months | 0.00% | None | 0% intro APR for 6 months from open date on purchases, balance transfers, and cash advances. Balance transfer fee is 2.5% of amount transferred (min $15, max $125) during 0% intro rate period only, then $0. After intro period, variable APR of 15.65%-18.00% applies. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.