Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Holiday Closing & Important Update
We will be closed on Saturday, July 4th in observance of Independence Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Normal business hours will resume on Monday, July 6th. Read More

Our financial centers are now reopened with regularly scheduled hours for lobby and drive-up service. Spencer customers will now have full access to the lobby area of all our financial centers. We understand there are still concerns when visiting public spaces, such as these. To ease such concerns we have implemented a number of new safety practices and protocols that you will notice upon visiting our financial centers, all of which are designed to ensure a safe and secure environment for everyone that visits our bank. 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