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  Coronavirus Update

Spencer Savings Bank is committed to the safety, health and well-being of its customers and employees. Read More

Spencer Savings Bank is committed to the safety, health and well-being of its customers and employees. As the country continues to deal with the impact of the Coronavirus (COVID-19), we want to take a moment to assure the community that we are closely monitoring the situation which is continuously evolving.

In response to the latest situation regarding this public health crisis, we are temporarily modifying how we conduct business at our financial centers to help minimize the potential spread of the virus. Effective Monday, March 30, 2020, we will be providing lobby service in our financial centers by appointment only. To make an appointment, please call the financial center between the hours of 9:00am – 5:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday. Financial centers with a drive-up facility will continue to operate as usual during the same hours listed above, Monday- Saturday. In the best interest of the public health, if you need to process a teller transaction and your financial center has a drive-up facility, we are asking you to process all teller transactions at the drive-up only. Please know that every effort is being taken to ensure that the bank is able to meet all of your needs while we continue to follow the recommendations from the health authorities.

In addition to taking extra precautions to maintain the cleanliness of our bank locations, we continue to update and educate employees on virus information, as well as reduce employee contact. Please know that the bank has a Pandemic Plan in place with procedures and guidelines for the staff to follow to continue with all business activity.

We would like to take this opportunity to remind customers that most banking transactions do not require a visit to an office. Spencer offers a variety of ways to access your accounts and manage your money without having to visit a financial center. Banking can continue from the comfort of your own home. Most transactions can be handled with a call to our Customer Service Center, with your mobile device, online or at an ATM. Many locations also offer drive through features. All of these options reduce public interaction for both the customer and employee. If you want to explore any of these options, please call your local financial center or our Customer Service Center at 1-800-363-8115.

We also urge all customers to be extra vigilant during this time as there are increased incidents of fraud surrounding the virus announcement. The FDIC has released educational articles regarding this topic with more information.

This is a fluid and evolving situation. We will continue to update you with any new information that becomes available. Our customers are the heart of our business. Thank you for giving us the opportunity to continue to serve you. Together, we will all take the necessary precautions to successfully manage through this difficult time.

Finance Your Dream Home

Getting a mortgage or home equity loan has never been easier. With Spencer Savings Bank, online applications are fast and easy. Whether you’re looking to make home improvements, leverage your home’s value for a big purchase, or buy a brand new home, Spencer is dedicated to helping you secure a loan that meets your needs.

Fixed Rate Mortgage

Lock in a great home mortgage rate with affordable, predictable, fixed monthly payments and flexible terms. Check Today’s Rates!

Apply Online

Adjustable Rate Mortgage

Enjoy low interest rates and low monthly payments with an annual/lifetime cap on interest rate adjustments. Check Today’s Rates!

Apply Online

First Time Homebuyer Mortgage

Are you looking to purchase your first home? Starting this journey is a big step, which is why we are here to help make this process as simple and straightforward as possible. Learn More!

Apply Online

Home Equity Loan

Use the equity in your home to borrow for debt consolidation, refinancing, home improvements, your children’s college fund or a family vacation, with fixed monthly payments. Check Today’s Rates!

Apply Online

SpencerFlex Line of Credit

Establish a cash resource for unexpected expenses, or to finance a major purchase. With our Flex conversion feature, you have the option of locking in a fixed rate on all or part of your current balance ($25,000 minimum), without having to reapply. Check Today’s Rates!

Apply Online

Ewing Mortgage Home Equity

200 Campus Town Circle

Ewing, NJ 08638

Phone: 609-643-0767

Banking Hours

Mon. thru Fri.: 9AM – 6PM
Saturday: 9AM – 1PM

Need advice or assistance before applying online?

Call us at 1-800-363-8155, or visit our Ewing Financial Center to speak with a Spencer loan specialist.