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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.

Kasasa Cash

Checking
2.00
%APY
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Mortgage

15 Year Fixed Rate
5.945
%APR
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SpencerFlex

Line of Credit
7.000
%APR
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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 See More
Bank donates to Red Cross
Spencer Donates $100,000 to Support Hurricane Ian Relief Efforts
Spencer Savings Bank, a leading New Jersey-based community bank, is supporting the American Red Cross to provide aid to those... Read more
Haner Eugenia
Spencer Welcomes New Financial Center Manager in Cranford
Spencer Savings Bank is pleased to welcome Haner Eugenia as the new Financial Center Manager of the Spencer Savings Bank... Read more
Rich Fracaro Portrait
Spencer Announces Promotion of Richard Fracaro to Vice President of Corporate Services
Spencer Savings Bank is pleased to announce the promotion of Richard Fracaro to Vice President of Corporate Services. Fracaro oversees... Read more