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The banking industry has seen an increase in fraud attempts targeting customers. Spencer will never request your one-time passcode/security code, online banking username, password, or PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances. If you receive any such request, please do not provide any information. Visit our Fraud Center for best practices and safety tips.

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Limited-Time Home Equity Line of Credit

Limited-Time Home Equity Line of Credit

Unlock the Value in Your Home

Whether you’re planning renovations, consolidating debt, or funding an important purchase, our SpencerFlex Home Equity Line of Credit offers the financial flexibility you need.

Why Choose SpencerFlex

Revolving Credit: Choose the amount to borrow, whenever you want.
Easy Fixed Rate Conversion Option: Flexibility to convert a portion of your variable-rate HELOC balance to a fixed interest rate.

SpencerFlex Line of Credit features:

  • Variable Interest Rate
  • Convenient Credit Line Checkbook
  • Replenishing Credit as Payments Are Made
  • Interest Charged on Outstanding Balance

Put Your Home’s Equity to Work

Take advantage of our limited-time introductory rate and discover how SpencerFlex can help you achieve your financial goals.

Apply Today

 
*APR=Annual Percentage Rate. Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. Application Fees as follows: Lines up to $150,000: $350 (1-family), Lines above $150,000 up to $249,999: $400 (1-family), $550 (2-4 family), and Lines of $250,000 or more: $450 (1-family), $700 (2-4 family). Optional Conversion Fee of $75 ($125 in the first year). Early Termination Fee if Line of Credit is closed within the first 24 months: $300 (Lines up to $100,000) or $500 (Lines above $100,000). Introductory rate and APR of 4.99% are effective for the first 6 months for all qualified applicants drawing a minimum of $25,000 or 10% of their total line (whichever is greater) at closing. Introductory rate will be discontinued for payment default or for balances converted to a fixed rate using the conversion option. After the expiration of the 6-month introductory rate, the variable APR will be based upon the Prime Rate as published in the Wall Street Journal. As of 12/11/25 the Prime Rate was 6.75% resulting in a rate of 6.75%. There is a Maximum Rate of 13.99% and a Floor Rate of 4.50%. Spencer’s Home Equity Line of Credit has a variable rate feature during the 10-year draw period, and, as a result, the APR and the minimum payment can change monthly. Property Insurance is required. Flood Insurance may be required. Rates and terms are subject to change without notice. All loans are subject to credit approval.