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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

Executive Team

Mercedes M. Pedrick
VP, Director of Mortgage Originations

Employed By Spencer Savings Bank Since: 1993
Employed In Industry Since: 1972

Outline of Responsibilities / Areas of Expertise / Memberships
Oversees Residential Lending (Retail / Secondary) activities and develops new lending products and marketing strategies for implementation.

Member of the Mortgage Bankers Association

Member of the NJ League of Community Bankers, Mortgage Steering Committee

Member of the Bergen County Community Development’s American Dream Program and the Housing Partnership for Morris County

Advocate Member for Spectrum for Living