Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. Read More

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

Get a Line of Credit for Your Firm, Fast

Propel your practice forward and better serve your clients with local lending from Spencer. Now, CPAs and attorneys can take advantage of a great rate and expedited application on a Spencer Line of Credit.

The Spencer Difference

  • Fast, Local Decisions
  • Experienced Team
  • One-Page Application
  • Limited Verification Requirements
  • Expedited Approvals


Inquire Online

Get a Line of Credit for Your Firm, Fast

Ready to Get Started?

Call 1-800-363-8115 or fill out our quick inquiry form to speak with a business banking specialist.


*APR=Annual Percentage Rate. Line of Credit rate is based on the business deposit account relationship of the borrower as well as the Prime Rate as published on the last business day of the month in the Wall Street Journal minus 1% with a Floor Rate of 3.00%. As of 8/01/2020 the Prime Rate was 3.25% resulting in a promotional rate of 3.00%. To qualify for this promotion, customer must maintain an active primary operating account with Spencer for their practice and have monthly loan payments auto-deducted from this checking account. For Line of Credit amounts of $250,000 or below, standard pricing will apply which is the current Prime Rate. Line of Credit offers are subject to credit approval. Rates and terms are subject to change without notice. Other rates and terms available for borrowers that do not qualify for these promotional offers.