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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
2.90
%APY
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11-Month CD

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3.50
%APY
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30-Year Mortgage

Fixed Rate 
6.032
%APR
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Specialty Lending Solutions

Custom financing designed to support the growth and success of your profession.

Manufacturing

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Power your business with smart lending solutions built to streamline operations.

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CPAs

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Rely on a trusted financial partner who can provide the resources to help your practice and client base thrive.

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Law Firms

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Access tailored lending solutions that support the unique needs of legal professionals.

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Current News
& Announcements All News
BVMI donation photo
Spencer Savings Bank, a leading New Jersey-based community bank, has proudly donated $40,000 to Bergen Volunteer Medical Initiative (BVMI)... Read more
Portrait of Anthony Mattaliano smiling in suit and tie
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Anthony Mattaliano to the team as... Read more
Phone with SCAM! IRS calling message shown.
As tax season approaches, IRS scams are rising significantly. Scammers often impersonate the IRS regarding unpaid taxes – using threats... Read more