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At Spencer, we’re committed to offering our customers some of the best rates in the market.

Premium Money Market

Great Rate
3.00
%APY
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11-Month CD

Great Rate! Lock it in.
3.75
%APY
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30-Year Mortgage

Fixed Rate 
6.536
%APR
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Use our mobile banking platform to deposit checks, pay bills, check balances and much more. Download our free app and get started today.

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Online Banking

24/7 access. Manage accounts, pay bills, request a home equity credit line advance and more. Be sure to sign up if you have not done so.

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Contact Us

Contact Us

Contact our Customer Service Center team at 1-800-363-8115. Hours of operation are Mon-Friday from 8am-8pm and Sat from 8am-2pm.

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Current News
& Announcements All News
Scholarship students posing with check along with Spencer executive team
Spencer Savings Bank Awards Almost $40,000 in Scholarships to Local High School Students
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce that it has awarded almost $40... Read more
Ken Plinio
Spencer Savings Bank Appoints Ken Plinio to Lead Home Finance Team
Spencer Savings Bank, one of New Jersey’s leading community banks, announced Ken Plinio has been promoted to Senior Vice President... Read more
Leo Tavares
Spencer Savings Bank Welcomes Leo Tavares As Vice President, Compliance Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Leo Tavares as Vice President, Compliance... Read more