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  Holiday Closing
Spencer Savings Bank will be closed on Monday, September 7, in observance of Labor Day. Read Full Message

For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms.

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Adopt a Pet, Change a Life

Join Us September 20th for our 6th Annual Pet Adoption Day.

Learn More About Our Annual Pet Adoption Day   
Limited-Time Home Equity Line of Credit

Limited-Time
Home Equity
Line of Credit

Unlock the value in your home and
discover financial flexibility with our
SpencerFlex Home Equity Line of Credit.

Take advantage of this competitive offer!

Learn More About Our Competitive HELOC Offer   
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High Yield
Checking

Earn rewards with a Kasasa checking account.

Take Back Banking with Kasasa   

Get Today's Rates

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

Kasasa Cash Checking

High-Interest Checking
4.00
%APY
- See Our Great Rates -

11-Month CD

Lock It In
3.50
%APY
- Click For More Info -

SpencerFlex Promo**

6 Month Guarantee
4.990
%APR
- See Our Fixed Rates -
Specialty Lending Solutions

Custom financing designed to support the growth and success of your profession.

Manufacturing

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Power your business with smart lending solutions built to streamline operations.

Learn More

CPAs

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Rely on a trusted financial partner who can provide the resources to help your practice and client base thrive.

Learn More

Law Firms

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Access tailored lending solutions that support the unique needs of legal professionals.

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Current News
& Announcements All News
scholarship check presented to students by ceo/president of Spencer Savings Bank
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce that it has awarded almost $40,000 in scholarships... Read more
National Financial Awareness Day image of piggy bank
In recognition of National Financial Awareness Day, Spencer and the Independent Community Bankers of America® (ICBA) are encouraging you to... Read more
Hand clicking on Fraud Prevention button
Please remember that Spencer Savings Bank will never call, text, or email asking for your personal or account information. If... Read more