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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 
6.787
%APR
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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

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
NJBankers Award
Spencer’s President and COO receives NJBankers Woman of Impact Award
We are proud to announce that Jane Allerman-Rey, Spencer Savings Bank’s President and Chief Operating Officer, has received the prestigious... Read more
Portrait of man posed in suit, closed mouth smile.
Savings Bank Welcomes Elizabeth Financial Center Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Anthony Persaud as Financial Center Manager... Read more