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  Important Updates
We are here for you. Important Updates Regarding Coronavirus. Read More

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, President and CEO. Read More

The Passaic Street (Garfield) location is currently closed. During this time, please visit one of our alternate financial centers if needed. Bank Locations

Get Today's Rates

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

Kasasa

Cash Checking
2.50
%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
3.125
%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
holiday shopping
When Maureen started her first job around 1950 or so, she didn’t have a 401(k), but she did have a... Read more
Shop Small Businesses
The holiday season is here and there is no better year than this one to shop local and eat local... Read more
Jane
Spencer Savings Bank is pleased to announce the promotion of Jane E. Allerman-Rey to bank president. With the unanimous support... Read more