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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
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11-Month CD

Great Rate! Lock it in.
3.75
%APY
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30-Year Mortgage

Fixed Rate 
6.536
%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.

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Current News
& Announcements All News
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Stay Cognizant of Text Message and Phone Call Scams
Scammers work year-round, often targeting banking customers and credit or debit card users. Scammers send text messages or make phone... Read more
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Spencer Savings Bank Welcomes Mike Ozol as VP, C&I Lending Relationship Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Michael Ozol to the team as... Read more
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Spencer Savings Bank Supports STEM Education in New Jersey
Spencer Savings Bank, a leading New Jersey-based community bank, is proud to support New Jersey STEM education with a recent... Read more