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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.

IRA Promotion

14-Month With Checking
3.00
%APY
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Mortgage

30 Year HomeHelper
3.776
%APR
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Home Equity

10 Year Fixed First Lien
3.875
%APR
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Help For U.S. Government Employees Still Affected

Spencer Savings Bank is still offering assistance to customers who are U.S. government employees, facing hardship, due to the recent U.S. government shutdown. We encourage these customers, whose income was affected by the shutdown, to contact us to discuss financial relief options. We are helping customers on a case-by-case basis. Please call us at (800) 363-8115 or visit your local branch to discuss your options. We support our government worker customers and hope to assist any still experiencing financial hardship as a result of the recent shutdown.

Current News
& Announcements See More

Tax refund concept with a road sign under blue sky

10 Smart Things to Do With Your Tax Refund

February 15, 2019 With tax season in full swing, there has never been a better time to get a head start on your... Read more
Rainy day fund savings. Jar with dollar bills.

The Importance of Creating An Emergency Fund

January 28, 2019 America is currently facing the longest government shutdown in U.S. history and it is definitely highlighting the importance of... Read more
Jose Guerrero

Spencer Savings Bank Holds Annual Meeting and Announces Board of Directors Election Results

January 24, 2019 Spencer Savings Bank, a community bank headquartered in Elmwood Park, N.J., has re-elected Jose B. Guerrero to the bank’s... Read more