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  Holiday Closing & Security Information
Spencer Savings Bank will be closed on Friday, June 19th in observance of Juneteenth. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read Full Message

Protect Yourself From Scammers!
The banking industry has seen an increase in fraud attempts targeting customers. Spencer will never request your one-time passcode/security code, online banking username, password, PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances.

If you receive such a request, do not respond or provide any information. Instead, contact our Customer Service Center immediately at 1-800-363-8115, regardless of the message channel.

Build Your Savings–Faster!

Lock in our exclusive rate for 6 months when you open a new Consumer Premium Money Market or BusinessEdge® Money Market Account.

Money Market Rate Box

Don’t Wait! These limited-time offers end 8/15/2026.

Enjoy These Exclusive Benefits

  • Guaranteed competitive  4.00% APY* for 6 months
  • Flexible account access
  • Tiered interest rates on your savings
  • Available for both personal and business customers

Whether you’re growing personal savings or building business reserves, Spencer is here to help you reach your financial goals with the personalized service and community commitment you know and trust.

To Qualify:

  • Maintain a daily balance of $10,000 – $250,000 for Consumer Premium Money Market
  • Maintain a daily balance of $10,000 – $500,000 for BusinessEdge® Money Market
  • Promotional code MM26 must be entered at account opening
  • One account per social security number or tax identification number
  • New Money Only**

Act Today! Enjoy Banking the Easy Way.

Consumer Premium Money Market

Click here to open a new account online today.

BusinessEdge® Money Market

Visit your local financial center to take advantage of this offer.

Use Promo Code: MM26

 
*APY=Annual Percentage Yield. Premium Money Market is a variable rate, interest-bearing account with promotional interest tiers as follow: Daily balances $0 – $99.99 – 0.00%; $100 – $9,999.99 – 0.25% APY; $10,000 – $250,000 – 4.00% APY. There is a $100 minimum deposit required to open this account and a $15 monthly service charge if the daily minimum balance falls below $1,000 at any time during the statement cycle. Minimum deposit of $10,000 and maximum deposit of $250,000 per social security number to receive promotional APY. BusinessEdge Money Market is a variable rate, interest-bearing account with promotional interest tiers as follow: Daily balances $0 – $4,999.99 – 0.00%; $5,000 – $9,999.99 – 0.25% APY; $10,000 – $500,000 – 4.00% APY. There is a $5,000 minimum deposit required to open this account and a $15 monthly service charge if the daily minimum balance falls below $5,000 at any time during the statement cycle. Minimum deposit of $10,000 and maximum deposit of $500,000 per tax identification number to receive promotional APY. For all money market offers, fees may reduce earnings on this account. Account must be opened by 8/15/2026 and rate is guaranteed for 6 months from date of account opening. After the promotional period ends, standard pricing will apply and the rates will change. APYs are accurate as of 6/15/2026 and are subject to change without notice. Offers may be withdrawn at any time. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit relationship and who are primary residents of and live in Bucks County, PA. **NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank within the last six months. Use Promo Code: MM26