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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
3.00
%APY
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11-Month CD

Great Rate! Lock it in.
3.75
%APY
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30-Year Mortgage

Fixed Rate 
6.536
%APR
- See Our Fixed Rates -

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 All News
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Stay Cognizant of Text Message and Phone Call Scams
Scammers work year-round, often targeting banking customers and credit or debit card users. Scammers send text messages or make phone... Read more
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Spencer Savings Bank Welcomes New Vice President, Market Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Antonella Minardo as its new Vice... Read more
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Spencer Savings Bank Makes Video Scoreboard Donation to Garfield Board of Education
Spencer Savings Bank, one of New Jersey’s leading community banks, is proud to announce the donation of a state-of-the-art, high-definition... Read more