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  Closing & Important Updates
We will be closed on Thursday, November 26th in observance of Thanksgiving Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

We are here for you. Important Updates Regarding Coronavirus.

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, President and CEO. Read More

The Passaic Street (Garfield) location is currently closed. During this time, please visit one of our alternate financial centers if needed. Bank Locations

Fixed Rate Loan

A Home Equity Loan is a great way to take advantage of the equity you have established in your home. It allows you to borrow using your home’s equity and offers the stability of fixed monthly payments. This type of loan works well for people looking to consolidate their debts or make home improvements. It can also be the least expensive way to refinance an existing first mortgage.

Fixed Rate Home Equity Loan features:

  • Fixed Monthly Payments
  • Variety of Terms Available
  • Stability, Predictability and Easy Budgeting
  • No Pre-Payment Penalties
  • Potential Tax Benefits (consult your tax advisor)

Apply Now

Open Your Account Today

Apply online, visit your local Financial Center, or call us at 1-800-363-8115 today!