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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.


Cash Back
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25-Month CD Promotion

(CD Renewals Only)
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30-Year Mortgage

Fixed Rate 
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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 See More
Spencer Savings Bank, one of New Jersey’s strongest community banks, is pleased to welcome Sergio Musacchio as Senior Vice President... Read more
Economic Insights With Spencer’s SVP/Treasurer
Introduction In the latter half of 2022 and the first half of 2023, the Federal Reserve embarked on an unprecedented... Read more
Scholarship Team Photo
Spencer Savings Bank is pleased to announce that it has awarded $37,500 in scholarships to local high school graduates... Read more