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Main Menu
Main Menu
 * Become a Member
 * Personal Banking & Borrowing
 * Business Banking & Borrowing
 * Digital Banking
 * Financial Wellness
 * In Our Community
 * Find a Branch/ATM
 * Contact Us
 * Rates
 * Pay Loan
 * Log In

Personal Banking & Borrowing
 * Checking
 * Loans
 * Savings
 * Personal Insurance
 * Investments

Checking
 * Aspire Checking
 * Kasasa Cash
 * Kasasa Cash Back
 * Rewards+ Checking
 * Simply Checking
 * Student Spend Account

Loans
 * Auto Loan
 * Credit Card
 * Home Equity Loans
 * Mortgages
 * Motorcycle & Recreational Loans
 * Personal Loan
 * Savings or Certificate-Secured Loan
 * Making Loan Payment

Savings
 * Membership Savings Account
 * Christmas Club Account
 * IRA Accounts
 * Money Market
 * Save to Win
 * Term Share Certificates
 * Vacation Club
 * Junior Term Share Certificates
 * Minor Savings

Business Banking & Borrowing
 * Business Checking
 * Business Savings
 * Business Loans
 * Business Credit Card

Digital Banking
 * Digital Banking
 * Mobile Deposit
 * Digital Services
 * Text Banking

Digital Services
 * Debit Card
 * TellerLink
 * Apple Pay
 * Google Pay
 * Samsung Pay

Text Banking
 * Text Fraud Alerts

Financial Wellness
 * Financial Education
 * Financial Coaching
 * Financial Insights

In Our Community
 * Our Story
 * Community Involvement
 * More for Our Members

More for Our Members
 * Annual Members Meeting
 * College Scholarship

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 * Why Choose Spero
 * Rates
 * FAQs
 * Find A Branch
 * Contact
 * Careers
 * Pay Loan
 * show-thisSearch

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 * Personal
   
   
   DIGITAL BANKING
   
   Access and manage your Spero personal accounts, all in one place.
   
   Learn More
   
    * Checking menu item
      * Aspire Checking menu item
      * Kasasa Cash menu item
      * Kasasa Cash Back menu item
      * Rewards+ Checking menu item
      * Simply Checking menu item
      * Student Spend Account menu item
    * Loans menu item
      * Auto Loans menu item
      * Credit Card menu item
      * Home Equity Loans menu item
      * Mortgages menu item
      * Motorcycle & Recreational Loans menu item
      * Personal Loan menu item
      * Savings or Certificate-Secured Loan menu item
      * Making Loan Payment menu item
    * Savings menu item
      * Membership Savings Account menu item
      * Christmas Club menu item
      * IRA Accounts menu item
      * Money Market menu item
      * Save to Win menu item
      * Term Share Certificates menu item
      * Vacation Club menu item
      * Junior Term Share Certificates menu item
      * Minor Savings menu item
    * Insure + Invest menu item
      * Personal Insurance menu item
      * Investments menu item
      * Debt Protection Claim menu item

 * Business
   
   
   DIGITAL BANKING
   
   Access and manage your Spero business accounts, all in one place.
   
   Learn More
   
    * Business Checking menu item
      * Free Business Checking menu item
      * Small Business Checking menu item
      * Elite Business Checking menu item
    * Business Savings menu item
      * Business Certificates menu item
      * Business Money Market menu item
    * Business Loans menu item
      * Term Loans menu item
      * Commercial Real Estate menu item
      * Business Credit Card menu item
      * Lines of Credit menu item

 * Digital Banking
   
   
   DIGITAL BANKING
   
   Access and manage your Spero accounts, all in one place.
   
   Learn More
   
    * Digital Banking menu item
      * Mobile App menu item
      * Mobile Deposit menu item
      * eStatements menu item
      * Bill Pay menu item
      * Account Alerts menu item
    * Digital Services menu item
      * Debit Card menu item
      * TellerLink menu item
      * Apple Pay menu item
      * Google Pay menu item
      * Samsung Pay menu item
    * Text Banking menu item
      * Text Fraud Alerts menu item

 * Financial Wellness
   
   
   CHECKPOINT
   
   Read our quarterly magazine full of financial tips for our members.
   
   Dive In
   
    * Financial Education menu item
      * GreenPath Learning Lab+ menu item
      * Financial Calculators menu item
      * Checkpoint Magazine menu item
      * Free Financial Webinars menu item
    * Financial Coaching menu item
      * GreenPath menu item
    * Financial Insights menu item
      * Auto menu item
      * Budget and Savings menu item
      * Credit and Debt menu item
      * Family menu item
      * Home menu item
      * Security menu item
      * View All menu item

 * Community
   
   
   COMMUNITY
   MATTERS
   
   We’re giving back to the incredible community that we and our members call
   home.
   
   Become a Member
   
    * Who We Are menu item
      * Our Story menu item
      * Our History menu item
      * Our Name menu item
      * Our Core Values menu item
    * Community Involvement menu item
      * Impact Report menu item
      * Giving Back menu item
      * In the News menu item
    * More for Our Members menu item
      * Annual Members Meeting menu item
      * Member College Scholarship menu item

Login
Become a Member

MEMBER LOGIN



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Ways to Access Your Account

 * Online Banking
 * Mobile Banking
 * ATMs and Branch Locations

Login
Become a Member

Open Mobile Menu


PERSONAL INSURANCE


COVERAGE YOU NEED BEFORE YOU NEED IT

You can’t predict the future, but with the right personal insurance programs,
you can be ready for it. Spero Financial is proud to join efforts with national
insurance providers to offer our members a wide range of coverage.

Learn More


WHY CHOOSE SPERO?


EVERY WIN IS A TEAM EFFORT

Whether you’re just starting out or settling down, you shouldn’t have to figure
out your financial journey alone. As a Spero Financial member, you won’t have
to. Create your winning financial plan with Spero.

Learn More


SPEND-TO-WIN


$3,000 SUMMER SPEND-TO-WIN GIVEAWAY

Each time you use your Spero Debit Card between June 12 and August 30, you'll be
entered for a chance to win up to $3,000. Tap the button below to learn more.

Learn More


REWARDS+ CHECKING


PROTECT YOURSELF AND YOUR FINANCIAL FUTURE

By combining valuable protection benefits with the opportunity to earn
dividends, Rewards+ Checking provides everyday peace of mind while safeguarding
your financial future.

Learn More


DIGITAL BANKING


DIGITAL BANKING REIMAGINED

Experience the next level of financial control! Your upgraded digital banking
experience is coming Fall 2024.

More Details Coming Soon


PERSONAL INSURANCE


COVERAGE YOU NEED BEFORE YOU NEED IT

You can’t predict the future, but with the right personal insurance programs,
you can be ready for it. Spero Financial is proud to join efforts with national
insurance providers to offer our members a wide range of coverage.

Learn More


WHY CHOOSE SPERO?


EVERY WIN IS A TEAM EFFORT

Whether you’re just starting out or settling down, you shouldn’t have to figure
out your financial journey alone. As a Spero Financial member, you won’t have
to. Create your winning financial plan with Spero.

Learn More




I would like to

...buy a carbuy a housebuild my credit scoreestablish an emergency fundsave for
my future or a goalpay off debtinvestimprove my financial health


Looking to buy a new or used car? Spero offers financing that’s customized to
your needs.

Apply Today! Connect with a Spero Loan Expert



HELPFUL RESOURCES

Financial Insights


SMART STEPS FOR BUYING A NEW CAR

So you’re thinking about buying a new car. For most of us, our car is the second
most expensive purchase...

Read more

Financial Insights


10 MISTAKES TO AVOID WHEN BUYING A CAR

Buying a car is often the second-most expensive purchase you’ll ever make.
Depending on your situation, buying a car may be a...

Read more

Auto


TRADE IN OR SELL YOUR USED CAR

To decide whether to sell or trade-in your car you need to determine
approximately how much your car is really...

Read more

One of the best feelings is walking through the doors of your new home.
Together, we can make that happen.

Apply Today! Connect with a Spero Expert



HELPFUL RESOURCES

Home


HOW MUCH HOUSE CAN I REALLY AFFORD?

For most of us, our house is likely the single biggest purchase we’ll make in
our lifetime (and in this...

Read more

Home


IS A CONSTRUCTION LOAN RIGHT FOR YOU?

Many homeowners will spend years—and live in several homes—while working up to
to build the home of their dreams.. If...

Read more

Financial Insights


HOW MUCH DOES IT COST TO FURNISH A HOUSE?

You’ve just purchased a new house, and your head is flooded with all of the
possibilities that this new abode...

Read more

Building your credit score is a great way to improve your financial health! Our
team of experts can get you started.

Credit Cards Connect with a Spero Expert



HELPFUL RESOURCES

Financial Insights


WHAT AFFECTS YOUR CREDIT SCORE & HOW TO IMPROVE IT

Are you oblivious to your credit score? Too scared to even look? Or do you hover
over it like the...

Read more

Financial Insights


5 WAYS JOINING A CREDIT UNION CAN HELP YOU BUILD YOUR CREDIT

There are plenty of excellent reasons to become a credit union member. Lower
rates on loans. Higher rates on savings....

Read more

Financial Insights


HOW TO REBUILD YOUR CREDIT AFTER A PERSONAL FINANCIAL CRISIS

Nobody plans to have a financial crisis, but they can happen to anyone. Perhaps
a student loan,  youthful indiscretions, or...

Read more

Life is full of unexpected twists and turns. We’re here to help you prepare for
any financial challenges you might face.

Savings Solutions Connect with a Spero Expert



HELPFUL RESOURCES

Financial Insights


7 MONEY SAVING CHALLENGES THAT ACTUALLY WORK

If you’re like the millions of people who set out to save money in 2021,
research suggests that your New...

Read more

Financial Insights


WHAT IS A SINKING FUND, AND HOW DO I USE IT?

If you’re like most people, your financial goals are common — they may include
paying down debt, covering your bills,...

Read more

Financial Insights


SIMPLE STEPS TO IMPROVING YOUR PERSONAL FINANCES

No one wants to have financial struggles, but knowing how to avoid them does not
come naturally to everyone. Some...

Read more

With the right savings account, you can achieve your goals and make your dreams
a reality.

Savings Solutions Connect with a Spero Expert



HELPFUL RESOURCES

Financial Insights


CERTIFICATE OF DEPOSIT VS. TRADITIONAL SAVINGS ACCOUNT: WHICH IS RIGHT FOR YOU?

Life can be unpredictable. From the job market to gas prices and the
ever-increasing cost of groceries, there’s been no...

Read more

Financial Insights


7 MONEY SAVING CHALLENGES THAT ACTUALLY WORK

If you’re like the millions of people who set out to save money in 2021,
research suggests that your New...

Read more

Financial Insights


WHAT IS A SINKING FUND, AND HOW DO I USE IT?

If you’re like most people, your financial goals are common — they may include
paying down debt, covering your bills,...

Read more

Debt can stand between you and financial freedom. Spero is here to make sure
that doesn’t happen.

Financial Coaching Connect with a Spero Expert



HELPFUL RESOURCES

Financial Insights


8 CREATIVE WAYS TO GET OUT OF DEBT

Debt is nothing new to most people; it’s something that most of us live with in
our own lives. In...

Read more

Credit and Debt


DEBT MANAGEMENT: HOW TO GET RID OF DEBT THE SMART WAY

Financial management can be tricky on its own; add debt management to that and
many people can be overwhelmed by...

Read more

Credit and Debt


HOW TO GET DEBT FREE AND STAY DEBT FREE

For most Americans, the process of becoming debt free is not easy. Almost 40
percent of people live with credit...

Read more

Investing can be a great way to make your money work for you! We can guide you
and help you get the most out of your investments.

Investments Talk to an Expert



HELPFUL RESOURCES

Financial Insights


KNOW YOUR RETIREMENT INVESTMENT OPTIONS: 401(K) VS. TRADITIONAL IRA VS. ROTH IRA

When saving for retirement, is it better to invest your hard-earned money in a
401(k) account, a traditional IRA, or...

Read more

Financial Insights


FINANCIAL FREEDOM IN EVERY STAGE OF LIFE

We all want financial freedom, no matter where we are in life. Whether you’re a
college student struggling with debt...

Read more

Financial Insights


IS IT A GOOD IDEA TO INVEST WHEN THE MARKET IS DOWN?

Follow an Investment Strategy Based on Your Needs, Not Market Conditions. Should
you invest when the market is down? Yes....

Read more

Your financial health affects every aspect of your life. At Spero, we offer the
tools and resources you need to achieve financial freedom.

Financial Insights Schedule Your Financial Check-Up



HELPFUL RESOURCES

Budget and Savings


UNDERSTANDING THE FOUR PILLARS OF PERSONAL FINANCE

The first of the year is a great time to take a personal financial inventory
especially when you may be...

Read more

Credit and Debt


TOP SEVEN PERSONAL FINANCE MISTAKES

Everyone overspends and makes other personal finance mistakes from time-to-time,
especially when feeling stressed and overwhelmed. Of course, spending too...

Read more

Financial Insights


SIMPLE BUDGETING WITH THE 50/20/30 RULE

Would it shock you to know that, according to a recent survey by US Bank, only
41% of American households maintain...

Read more


SPERO IS MORE THAN A CREDIT UNION.
WE’RE 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.

Become a Member


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

Personal Checking Accounts




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.

Learn More


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.

Learn More


FINANCIAL INSIGHTS

We make “money” practical. Browse our blog for financial tips and insights that
can help you take your money further.

Learn More


TOGETHER WE SOAR


LET'S REACH YOUR FINANCIAL GOALS!

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IN THE NEWS

In The News


TEAM SPOTLIGHT: MEMBER SOLUTIONS CENTER

Improving the financial lives of our members. It’s not just something we say but
something we do! Our Member Solutions...

Read More


FEATURED INSIGHTS

View More Posts

Family


DIFFERENT TYPES OF INSURANCE AND WHY YOU MAY NEED THEM

Insurance is available for most everything in our lives. From pet insurance to
property insurance and everything in between, coverage...

Read more

Credit and Debt


AVOIDING THE PITFALLS OF CREDIT CARDS

Credit cards can be great tools to utilize within your financial journey. By
using a credit card responsibly, you can...

Read more

Family


WHAT’S ALL THIS TALK ABOUT 529 PLANS?

A 529 Plan is an investment account specifically meant for saving for college.
This account is exempt from federal taxes...

Read more

@mysperofi


CONNECT WITH THE SPERO FAMILY

Follow Us:



Please be assured that Spero Financial has not...


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There are only two Friday’s left to make sure you...


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It can be overwhelming to explore types of...


Open



Improving the financial lives of our members. It’s...


Open



You and your membership are special to us, Thelma!


Open





FIND FINANCIAL FREEDOM THROUGH BETTER BANKING.

Join today, and start enjoying all the benefits of membership!

Become a Member

 * About Spero
   * Our Story
   * Community
   * Careers
   * Become A Volunteer
   * Become an Associate Volunteer

 * Find Us, Anywhere
   * Find an ATM
   * Find a Branch
   * Find a Shared ATM/Branch
   * Contact Us

 * More
   * Privacy Notice
   * Online Privacy Practices Policy
   * Accessibility Statement
   * Credit Union Bylaws
   * Sitemap

Become a Member FAQs / Help Center

MEMBER SUPPORT:

1 (800) 922-0446

 * 

Federally Insured by NCUA | Equal Opportunity Employer

ABA Routing and Transit Number: #253279277
#DON'T GET BANKED

© Spero Financial Powered by The Brand Leader
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