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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

Get Today's Rates

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

8-Month IRA

w/ Platinum Checking + Direct Deposit
0.70
%APY
- Click here to learn more -

Mortgage

15 Year Fixed Rate
2.542
%APR
- Click here to learn more -

Home Equity

10 Year Fixed First Lien
3.000
%APR
- Click here to learn more -

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 See More
CBH Care Check Donation
Spencer Savings Bank recently made a $7,500 donation to CBH Care, in support of mental health services in its... Read more
IRA 401K Roth and Tax-free
For many workers, a 401(k) plan provides the best opportunity for retirement savings but keeping track of those plans can... Read more
Personal Finances
Financial literacy is the possession of skills that allows people to make smart decisions with their money. Part of being... Read more