Spero Financial Federal Credit Union Mortgage Rates
Spero Financial Federal Credit Union currently offers a 30-year fixed mortgage at 7.100% APR, 0.52 points above the national average. Spero Financial Federal Credit Union publishes rates for 7 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.00% | 7.10% | 0.00 |
| 15-Year Fixed | 7.25% | 7.41% | 0.00 |
| 20-Year Fixed | 6.50% | 6.71% | 0.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| FHA 15-Year | 5.75% | 6.44% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
| VA 15-Year | 5.88% | 6.14% | 0.00 |
Spero Financial Federal Credit Union Eligibility
Anyone can join via $15 Carolinas Credit Union Foundation "Friend of the Foundation" membership. Also eligible: live, work, worship, or attend school in select parts of Anderson, Cherokee, Columbia, Elbert, Greenville, Greenwood, Hart, Laurens, Oconee, Pickens, Spartanburg, and Union counties SC. Employees of Select Employee Groups. Family members qualify.
Openness: open
