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  Holiday Closing & Security Information
Spencer Savings Bank 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. Read Full Message

Protect Yourself From Scammers!
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, PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances.

If you receive such a request, do not respond or provide any information. Instead, contact our Customer Service Center immediately at 1-800-363-8115, regardless of the message channel.

Owner-Occupied Mortgage

Financing or refinancing your commercial property with Spencer has never been easier with an owner-occupied mortgage. Enjoy the benefits of property ownership including controlling operating costs, no landlord restrictions and real estate appreciation. Financing is available for multi-family, office, industrial, retail and mixed-use properties.

Owner-Occupied Mortgage features:

  • Loan Amounts up to $10 Million
  • Fixed or Adjustable Rate Loan
  • Flexible Term Options Available
  • Local Decision Making
  • Monthly Itemized Statements

Commercial property ownership is a viable goal thanks to Spencer. The loan can be structured to meet your needs, helping to ensure your success.

Inquire Now

Contact Us Today

Sergio Musacchio

SVP, Director of Commercial & Industrial Lending and Small Business Finance 1-201-703-3827