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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
3.25
%APY
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11 Month CD

Lock It In!
5.00
%APY
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30-Year Mortgage

Fixed Rate 
6.913
%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
PETER FOGLIO
Spencer Savings Bank Welcomes New Bergen County Market Manager
Spencer Savings Bank is pleased to welcome Peter L. Foglio III as its new Vice President and Bergen County Market... Read more
West Caldwell Financial Center
Spencer Savings Bank Announces Relocation and Expansion of North Caldwell Financial Center
Spencer Savings Bank, one of New Jersey’s leading community banks, is excited to announce the relocation and expansion of its... Read more
Scholarship Group Photo
Spencer Savings Bank Awards $37,500 in Scholarships to Local High School Students
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce that it has awarded $37,500... Read more