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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

Landlord Mortgages

1 – 4 Family Home Purchase or Refinance

Looking to grow your rental property portfolio? Get better landlord mortgage rates with Spencer Savings Bank. You’ll also enjoy the personalized service we’re known for!

Our mortgage specialist will visit you in your home or office and provide knowledgeable advice for any multi-family home investment you might have in mind. And, your down payment will be lower with Spencer than with any other bank.

Personal Investment Mortgage

  • Loans Up to $750,000
  • Low 20% Down Payment
  • 1-4 Family Homes

Business Entity Mortgage

  • Loans Up to $500,000
  • Low 20% Down Payment
  • Mixed-Use Properties Up to 4 Units

Contact Us Today!

Customer Service Center
Mon-Fri: 8am – 8pm
Sat: 8am – 2pm