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Small Business Lending Slider

Give Your Business
Access to Liquid
Capital, Fast

Competitive rates & dedicated local service
designed to help your business grow.
SMALL BUSINESS LOANS & LINES

Small Business Lending Made Easy   
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High Yield
Checking

Earn rewards with a Kasasa checking account.

Take Back Banking with Kasasa   
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Card Control at
Your Fingertips

From fraud protection to travel notices, manage your
debit card anytime, anywhere.

Learn How to Manage Your Card   

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
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13-Month CD

Lock It In
3.85
%APY
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30 Year Fixed Rate

Great Rate!
7.039
%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.

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CPAs

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

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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
Steve Fusco, CFO, holding the NJBankers 2026 Community Service Award
Spencer Savings Bank, one of New Jersey’s leading community banks, announced today that it has been awarded the New Jersey... Read more
Financial Planning Month
October is National Financial Planning Month, serving as the perfect annual reminder to review your personal finances. As the autumn... Read more
Cybersecurity awareness month
In today’s digital world, cyber and data security are critical for banks. The proliferation of social media and the... Read more