Earn more with Spencer’s Certificates
of Deposit (CD)

Spencer offers a variety of CD terms to choose from. Come in to your local branch office and speak to your branch manager for more information about which one is right for you.

• $1,000 minimum deposit
• Various terms from 91 days to 60 months to fit your investment goals
• Competitive Annual Percentage Yields
• CD with a term of 12 months or longer interest is compounded daily and credited monthly
• CD with a term less than 12 months simple interest is paid monthly
• Spencer offers the convenience of automatic renewal
• Premium Annual Percentage Yield for Spencer Plus and Spencer Gold customers
• Convenience of a monthly check or automatically transfer funds to another Spencer account
• Premature withdrawal penalties may apply