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  Holiday Closing

Spencer Savings Bank will be closed on Monday, January 21st in observance of Martin Luther King Jr. Day. Read More

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
- Click here to learn more -

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 Affected by Government Shutdown

Spencer Savings Bank is offering assistance to customers who are U.S. government employees, facing hardship, due to the U.S. government shutdown. We encourage these customers, whose income is affected by the shutdown, to contact us to discuss financial relief options. We will be 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 experiencing financial hardship during this difficult time.

Current News
& Announcements See More

Excellent Credit Score with man using a laptop

Tips To Improve Your Credit Score in 2019

January 17, 2019 We’re off to the start of a brand new year! Make 2019 the year you finally get all your finances... Read more
Holiday Toy Drive Gifts

Spencer Savings Bank’s Annual Toy Drive Brings Joy To Hundreds of Children In The Community

January 10, 2019 Spencer Savings Bank held its annual toy drive in December, bringing joy to hundreds of children in the local community... Read more
Anthony Niciejewski

Paving A Path To Success With NJBankers Emerging Leaders Rising Star Award Winner

December 17, 2018 It’s 4:30am and Anthony Niciejewski, Spencer’s Business Banking Officer, has started his day. He’s having breakfast, heading to the gym... Read more