Smart Steps for Buying a New Car
So youβre thinking about buying a new car. For most of us, our car is the second most expensive purchase...
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Spero is more than a credit union.
Weβre a community.
People-first approach. Authentic advice. Personalized solutions.
Member-Owned
As a member, you have a vote and a say in what we do. We're not governed by stockholders but by a member-elected, volunteer Board of Directors.
Personalized Service
We'll know you by name and work to understand your needs to provide banking solutions to help you soar financially.
Better Rates
As a not-for-profit, we reinvest profits into programs that reward you with lower loan rates, higher savings dividends, and low-cost services.
Banking has never looked so good.
The right checking account can help your finances soar. With a Spero checking account, you get the ideal combination of benefits and convenience that fits your life.
Every Checking Account Includes
- Tap-and-Go Debit Card with EMV Chip
- MONEYLINKTM Online Banking
- Mobile Deposit
Financial Wellness
A financial journey is an "us" thing! Let's help you soar with your money.
Financial Coaching
Members of Team Spero are certified financial counselors, equipped to provide authentic advice to help you meet your money goals.
Financial Education
Spero Financial offers free, 24/7 online financial courses, so you can learn at your own pace. For a more communal setting, we also host financial workshops in your local area.
Financial Insights
We make βmoneyβ practical. Browse our blog for financial tips and insights that can help you take your money further.
Together We Soar
Let's Reach Your Financial Goals!
In The News
In The News
Spero Financial Joins WSPA’s Here to Help Diane Lee for Credit Score Myths
Spero Financial's Branch Manager Jarred Kelly had the opportunity to join WSPA's Diane Lee to discuss top credit score myths, specifically the impact of credit utilization.
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Family
Who Is Your Go-To for Money Advice?
Itβs not uncommon to receive conflicting options on anything having to do with money. Deciding who to listen to can be challenging, but it isnβt impossible! Any time you receive financial advice, you should consider the source.
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Member Alerts
Member Alert: Protect Yourself from Title Fraud
The consequences of title fraud can be serious. Learn what title fraud is and how you can protect yourself from scammers.
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Family
Being Unbanked: What is it, and Why is it Important to Understand the Risks?
According to a 2023 survey, 4.2% of households in the United States are considered unbanked. There are many risks associated with being unbanked, and by understanding those risks, you can make a more informed decision about how you want to handle you...
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Connect With the Spero Family
Happy Spero-ween!π
Check out the incredible entries we received for our staff costume contest!
Due to the current government shutdown, we`ve created a 0% APR emergency loan* to help subsidize lost income for federal employees and retirees affected by the furlough.
Contact your local branch for details!
Federal credit unions like Spero Financial are insured by the NCUA. The NCUA is an independent agency of the federal government, and its operating budget comes from fees charged to federal credit unions and transfers from the National Credit Union Share Insurance Fund. Credit union membersβ accounts will continue to be insured by the Share Insurance Fund for the duration of the shutdown.
*Insured by NCUA. Membership required. Terms apply. Max loan amount of $5,000. 60 days until first payment. Must be an employee, retiree, or federal contracted employee of the Federal Government who will not be receiving a paycheck/did not receive prior paycheck as a result of the Federal Government furlough/shutdown. Subject to credit approval. Proof of income and copy of furlough letter required. Offer valid as of 10/2/2025 and is subject to change without notice.
Hereβs the last Cyber Security Tip for Cyber Security Awareness Month: Keep your passwords secret. π₯οΈ
Thank you to Kevin Brannon, SVP & Chief Technology Officer, and Chris Libby, VP of Information Technology, for sharing your advice and expertise this month!
Teach your kids to spend and save responsibly with a Student Spend account.
Each free account comes with:
π Eligibility for our $5,000 college scholarship
π 24/7 access with a debit card and Digital Banking
π Free financial education
π No monthly service charges or minimum balance requirements
π And lots more!
Visit our website for more information.
Membership required. Insured by NCUA.
Registration for the Pink Walk & Fun Run 5K will open on November 1st! π©·
We hope you can join us as we raise awareness and honor survivors of cancer.