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Earn a High Rate of Interest While You Save

13 Month CD or IRA

Limited Time Offer!

At Spencer, we’re committed to your long-term goals. Act now and take advantage of this great annual percentage yield!

Open Your Account Today

Visit your local Financial Center, or call us at 1-800-363-8115 today!


OFFER VALID ON NEW MONEY ONLY. *APY = Annual Percentage Yield. This APY is only valid on the 13-month CD or IRA. To qualify for the 2.00% APY, customer must maintain an existing Platinum Checking Account or open a new Platinum Checking Account (same time as CD or IRA account opening) which will maintain an average monthly balance of $2,500 or more. Platinum Checking Account must be in the same name as the CD or IRA account holder. $25,000 minimum balance necessary to obtain the APY. Interest is compounded daily and credited monthly. APY assumes interest remains on deposit until maturity. A penalty will be imposed for premature withdrawals. Fees may reduce earnings on account. Premium APYs not available on promotional CDs or IRAs. Spencer offers the convenience of automatic renewals. For IRA accounts, one rate change is allowed per year, if you are over 59 1/2 years of age, without penalty. Please consult your tax advisor for tax-deductible status. If either you or we prevent renewal, interest will not accrue after final maturity. Rates are subject to change without notice and may be withdrawn at any time. Available to individuals living or working in New Jersey. APY is accurate as of 1/13/20.