Spero Financial Credit Union
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Verified rate book
Current Spero Financial Credit Union rates
9 published offers verified as of August 21, 2026.
Mortgage rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VA 30 Year Fixed - Conforming30 year fixed | 6.410% APR | 6.250% | — | Standard |
| FHA 30-Year Fixed - Conforming30 year fixed | 6.692% APR | 6.000% | — | Standard |
| 30-Year Fixed30 year fixed | 6.788% APR | 6.625% | — | Standard |
| Jumbo 30-Year Fixed30 year fixed | 6.974% APR | 6.875% | — | Standard |
| VA 15 Year Fixed - Conforming15 year fixed | 6.137% APR | 5.875% | — | Standard |
| FHA 15 Year Fixed - Conforming15 year fixed | 6.436% APR | 5.750% | — | Standard |
| 15-Year Fixed15 year fixed | 6.514% APR | 6.250% | — | Standard |
| Jumbo 15-Year Fixed15 year fixed | 7.412% APR | 7.250% | — | Standard |
| 20-Year Fixed20 year fixed | 6.713% APR | 6.500% | — | Standard |
As of August 21, 2026, Spero Financial Credit Union offers a 30-year fixed mortgage at 6.41% APR.
Source: RateAPI.dev, verified from Spero Financial Credit Union's official website
Live market position · Rates as of August 21, 2026
Where Spero Financial Credit Union ranks in South Carolina
How Spero Financial Credit Union's current published rate compares with other South Carolina credit unions we track in the same product. State best and median come from RateAPI's verified rate book; only products with enough tracked lenders to rank are shown.
| Product | Published APR | Position | Vs. state best | Vs. state median |
|---|---|---|---|---|
| 30-year fixed mortgage | 6.41% | Better than the South Carolina median | 36 bp from state best | 38 bp better than median |
This is the public snapshot. Claim Spero Financial Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up.
See the full breakdown →Loading branch locator…
About Spero Financial Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 45.4K
- Assets
- $712.1M
- Founded
- 1935
- Locations reported
- 11
- NCUA charter
- 361
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
- Credit-builder products
- Payday Alternative Loans I
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Spero Financial Credit Union
Membership eligibility from Spero Financial Credit Union's own published criteria. How we verify this.
Membership criteria are published on Spero Financial Credit Union's website. Check the membership page below to confirm whether you qualify.
- EmployerSelect Employee Group
- AssociationCarolinas Credit Union Foundation's "Friend of the Foundation"
Verified from Spero Financial Credit Union's membership page. Final membership determination is always made by the credit union.
Membership rules for Spero Financial Credit Union
Employers 2 · Associations · Family 2
5 published paths to membership, last verified August 21, 2026, quoted from Spero Financial Credit Union’s own published criteria.
Employers 2
Auto-verified against the source page
Associations 1
Auto-verified against the source page
Member of Carolinas Credit Union Foundation's "Friend of the Foundation"
- Member of Carolinas Credit Union Foundation's "Friend of the Foundation"
“Yes! I am a member of the Carolinas Credit Union Foundation's "Friend of the Foundation".”
source ↗
Family 2
Auto-verified against the source page
Family member (family member, household member) of a member
- Family of a member family member, household member
“Yes! I live, work, worship, or attend school in the select parts of the counties Spero Financial serves – Anderson, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, and Union counties — or have a family or household member that does.”
source ↗Family member (grandparents, parents, spouses, brothers, sisters, children, grandchildren, adoptive, step relations, household member) of a member
- Family of a member grandparents, parents, spouses, brothers, sisters, children, grandchildren, adoptive, step relations, household member
“Yes! I am an immediate relative 2 of a current member.”
source ↗
Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. How we verify membership rules. Final membership determination is always made by the credit union.
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This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Spero Financial Credit Union ranks against South Carolina peers.
Frequently Asked Questions
What rates does Spero Financial Credit Union offer?
Spero Financial Credit Union currently offers mortgage rates. The rates shown on this page were last verified August 21, 2026 directly from the credit union's official website.
How often are Spero Financial Credit Union rates updated?
RateAPI verifies Spero Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 21, 2026.
Where does RateAPI get Spero Financial Credit Union's rate data?
Rate data is collected directly from Spero Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Spero Financial Credit Union's mortgage rate?
As of August 21, 2026, Spero Financial Credit Union offers a 30-year fixed mortgage at 6.41% APR.
Who can join Spero Financial Credit Union?
Spero Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 2 employers and 1 association for Spero Financial Credit Union, each quoted from Spero Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify.
Related Rate Data
Compare Spero Financial Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Spero Financial Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for Spero Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/south-carolina/spero-financial" \
-H "Authorization: Bearer YOUR_API_KEY"