Important Notice
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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

Home Equity Special

Limited Time Only!

Get more out of your home with a Special Homeowner Loan from Spencer.

Borrow up to $250,000 in home equity to fix up your house, fund your children’s education, buy a new car, refinance your current mortgage, or finance any major expense.

  • First-Lien Only
  • Fixed Monthly Payments
  • Terms Up To 30 Years

Household Income Limitations Apply

  • Bergen/Passaic/Hudson: $63,440
  • Essex/Union/Morris/Hunterdon/Sussex: $78,880
  • Middlesex/Somerset: $86,480
  • Mercer: $84,640

Special Homeowner Rates 2019

Special Homeowner Limited Time Offer

Apply Today

Download the application, visit your local Ewing Financial Center, or call us at 1-800-363-8115 today!


*APR=Annual Percentage Rate. Property must be an owner-occupied 1-4 family home, secured by a first lien. The following income and county limitations apply: Mercer: $84,640, Bergen/Passaic/Hudson: $63,440, Essex/Union/Morris/Hunterdon/Sussex: $78,880 and Middlesex/Somerset: $86,480. There are no fees associated with Special Homeowner Loans. Property Insurance is required. Flood Insurance may be required. Payments shown do not include applicable taxes and insurance. Rates and terms are subject to change without notice. Offer is subject to credit approval.