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Promotional SpencerFlex Line of Credit

Limited Time Promotion!
Let Your Home Equity Blossom

First Time Applicants Only

A SpencerFlex Line of Credit is ideal for people who borrow and repay large amounts of money over short periods of time, or for those who wish to have a cash resource available for unexpected expenses. This home equity loan type may be the ideal solution for home improvements, paying down higher rate balances, financing a major purchase or funding educational expenses. With our unique “Flex” conversion feature, you have the option of locking in a fixed rate on all or part of your current balance with a ($25,000 minimum), without having to reapply.

SpencerFlex Promotion

SpencerFlex Line of Credit features:

  • Variable Interest Rate
  • Convenient Credit Line Checkbook
  • Potential Tax Benefits (consult your tax advisor)
  • Replenishing Credit as Payments Are Made
  • Interest Charged on Outstanding Balance

Open Your Account Today

Apply online, visit your local branch, or call us at 1-888-376-1974 today!


SPENCERFLEX: *This promotion is available for first time Spencer Home Equity Credit Line applicants only. APR=Annual Percentage Rate. Introductory APR of 3.99% is fixed for 6 months from date of loan closing. After introductory period, the rate is based on the Prime Rate as published on the last business day of the month in The Wall Street Journal MINUS 0.76%. As of 3/30/18 the Prime Rate was 4.75% resulting in a rate of 3.99%. There is a Maximum Rate of 13.99% and a Floor Rate of 3.99%. Line must be secured by an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. $0 Application Fee. Commitment Fee of $100 to be paid within 10 days of approval. Conversion Fee of $75 ($125 in the first year). Early Termination Fee if line is closed within 24 months: $300 (lines up to $100,000) or $500 (lines above $100,000). 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. Other terms available for previous applicants – please contact us for details.