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  Holiday Closing
Spencer Savings Bank will be closed November 11th in observance of Veterans' Day. For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

Get Today's Rates

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
- See Our Great Rates -

11-Month CD

Lock It In!
4.00
%APY
- Lock In Our CD Rate -

30-Year Mortgage

Fixed Rate 
6.159
%APR
- See Our Fixed Rates -

Mobile Banking

Mobile App

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

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.

Contact Us
Current News
& Announcements All News
michael claisse
Spencer Savings Bank Appoints Michael Claisse as Executive Vice President and Chief Lending Officer
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce the promotion of Michael Claisse to... Read more
West Caldwell Business Customer
Business Customer Spotlight: C&G Imported Car Repairs
Tell us about your business and how you got started? I’m the small business owner of C&G Imported Car... Read more
Spencer Savings Bank Welcomes Vice President, Small Business Relationship Manager
Spencer Savings Bank, one of New Jersey’s strongest community banks, is pleased to welcome Milena Bosak as Vice President, Small... Read more