Credit union · NCUA insured
Spero Financial Savings Rates
Top CarrotSpero Financial’s best savings rate is 1.30% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Spero Financial’s savings 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
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Kasasa Saver Savings Account
Top rate
Market USA Federal Credit Union
3.75%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
MTC Federal Credit Union
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Spero Financial savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.00%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
Up to 1.30%APY
Membership required. $2,500 minimum opening deposit. $15 monthly maintenance fee if balance falls below $2,500 ($0 if balance is $2,500 or more). Limited to 6 withdrawals per month; $500 minimum withdrawal amount. Rates are variable and may change after account opening. Promotional rate boost of up to 1.00% available on entire balance through March 31, 2027 with $25,000+ new money deposited between October 13, 2026 and November 30, 2026, plus an additional 0.50% boost if existing or new Spero checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upEarns APY on balances of $2,500 or more. Monthly fee waived if balance is $2,500 or more. | 0.95% | $95 | Earns APY on balances of $2,500 or more. Monthly fee waived if balance is $2,500 or more. |
| $10,000 and upEarns APY on balances of $10,000 or more. Monthly fee waived if balance is $2,500 or more. | 1.30% | $130 | Earns APY on balances of $10,000 or more. Monthly fee waived if balance is $2,500 or more. |
| $50,000 and upEarns APY on balances of $50,000 or more. Monthly fee waived if balance is $2,500 or more. | 2.15% | — | Earns APY on balances of $50,000 or more. Monthly fee waived if balance is $2,500 or more. |
| $100,000 and upEarns APY on balances of $100,000 or more. Monthly fee waived if balance is $2,500 or more. | 3.00% | — | Earns APY on balances of $100,000 or more. Monthly fee waived if balance is $2,500 or more. |
| $250,000 and upEarns APY on balances of $250,000 or more. Monthly fee waived if balance is $2,500 or more. | 3.15% | — | Earns APY on balances of $250,000 or more. Monthly fee waived if balance is $2,500 or more. |
| $500,000 and upEarns APY on balances of $500,000 or more. Monthly fee waived if balance is $2,500 or more. | 3.55% | — | Earns APY on balances of $500,000 or more. Monthly fee waived if balance is $2,500 or more. |
Sources (3)
All captured Oct 15, 2026
Kasasa Saver Savings Account
Up to 2.00%APY
Kasasa Account Terms and Conditions apply. Rates may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualified balances <$100,000. | 2.00% | $200 | Qualified balances <$100,000. |
| Any balanceNon-qualified balances. | 0.05% | $5 | Non-qualified balances. |
| $100,000 and upQualified balances >$100,000. | 0.25% | — | Qualified balances >$100,000. |
Sources (1)
- spero.financial/rates · captured Oct 15, 2026
Special-purpose accounts
Traditional IRA & Roth Savings Accounts
3.00%APY
Traditional IRA & Roth Savings Accounts. Tax-advantaged retirement savings. Rates may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Balances <$5,000; rates may change after account opening. | 1.25% | — | Balances <$5,000; rates may change after account opening. |
| $5,000 and upBalances >$5,000; rates may change after account opening. | 3.00% | $300 | Balances >$5,000; rates may change after account opening. |
Coverdell (Education IRA) Savings Account
2.00%APY
Coverdell Education Savings Account. Tax-free earnings for higher education expenses. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; rates may change after account opening.Any balance | 2.00% | $200 | Dividends compounded and credited monthly; rates may change after account opening. |
Christmas Club Savings Account
0.30%APY
On October 31, funds are transferred into Share Savings Account and accessible November 1. Account automatically renews each year. Additional withdrawals are $25 per occurrence.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; rates may change after account opening.Any balance | 0.30% | $30 | Dividends compounded and credited monthly; rates may change after account opening. |
Vacation Club Savings Account
0.30%APY
2 free withdrawals each calendar year; additional withdrawals over 2 are $25 per occurrence.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; rates may change after account opening.Any balance | 0.30% | $30 | Dividends compounded and credited monthly; rates may change after account opening. |
Membership Savings Account (Primary Share)
Up to 0.25%APY
Membership account; requires $5 minimum deposit to remain untouched for relationship duration. Balances of $250 or more earn dividends (minor-owned memberships earn dividends on balances of $0.00 or more). 3 free withdrawals per month; $5.00 fee per excess over-the-counter withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $2,500Balances >$250 to $2,500; dividends compounded and credited monthly; rates may change after account opening. | 0.10% | — | Balances >$250 to $2,500; dividends compounded and credited monthly; rates may change after account opening. |
| $2,500 – $10,000Balances >$2,500 to $10,000; dividends compounded and credited monthly; rates may change after account opening. | 0.15% | $15 | Balances >$2,500 to $10,000; dividends compounded and credited monthly; rates may change after account opening. |
| $10,000 and upBalances >$10,000; dividends compounded and credited monthly; rates may change after account opening. | 0.25% | $25 | Balances >$10,000; dividends compounded and credited monthly; rates may change after account opening. |
Minor Savings Account
Up to 0.25%APY
Designed for minors ages 0-17 with joint-account ownership by a parent/guardian. Automatically transitions to a Share Savings account at age 18. Earns dividends on balances of $0.00 or more. 3 free withdrawals per month; $5.00 fee per excess over-the-counter withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Memberships owned by a minor (0-17 years old) earn dividends on balances of $0.00 or more; rates may change after account opening. | 0.10% | — | Memberships owned by a minor (0-17 years old) earn dividends on balances of $0.00 or more; rates may change after account opening. |
| $2,500 – $10,000Balances >$2,500 to $10,000; rates may change after account opening. | 0.15% | $15 | Balances >$2,500 to $10,000; rates may change after account opening. |
| $10,000 and upBalances >$10,000; rates may change after account opening. | 0.25% | $25 | Balances >$10,000; rates may change after account opening. |
Health Savings Account
0.15%APY
Health Savings Account. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; rates may change after account opening.Any balance | 0.15% | $15 | Dividends compounded and credited monthly; rates may change after account opening. |
Sources (1)
- spero.financial/rates · captured Oct 15, 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.