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Grow Your
Retirement
with a Bank
You Trust

Limited-Time IRA Promotional Offer
Ending April 30th!

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Make Every Dollar Count

Maximize your larger deposits with our LIMITED-TIME Premium and BusinessEdge Money Market offer.

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Card Control at
Your Fingertips

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

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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.

Money Market Promo

With Checking Account **New Money **
4.00
%APY
- See Our Great Rates -

23-Month IRA Promo

With Checking Account **New Money **
4.50
%APY
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30-Year Mortgage

Fixed Rate 
6.032
%APR
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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
Earth day 22 April
Earth Day is a reminder of the importance of being environmentally responsible and taking care of our planet (the place... Read more
Photo of Christopher Coppola, Commercial Real Estate Client Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Chris Coppola to its Commercial Real... Read more
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Please remember that Spencer Savings Bank will never call, text, or email asking for your personal or account information. If... Read more