Important Notice
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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

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 and CEO. Read More

Special Homeowner Loan

Our Spencer Special Homeowner Loan offers residents in designated counties, that meet specific income limits, a great way to take advantage of the equity in their home with a special rate discount. This home equity loan type allows you to borrow money for any worthwhile purpose at a reduced rate. Borrow up to $250,000 for college tuition, home improvements, and even refinance your mortgage.

Special Homeowner Loan features:

  • No Fees of any kind are charged
  • Terms up to 30 years
  • Special low fixed interest rate
  • Household income limitations apply

Special Homeowner Eligibility Requirements:

  • Property must be located in Bergen, Essex, Hudson, Mercer, Middlesex, Morris, Passaic, Somerset or Union County
  • Household Income Limitations:
    Bergen/Passaic/Hudson: $65,440
    Essex/Union/Morris: $82,560
    Middlesex/Somerset: $90,000
    Mercer: $86,960
  • Applies to 1-4 family, owner occupied residential properties secured by a first mortgage

Apply Today

Download the application, visit your local Financial Center, or call us at 1-800-363-8115 today!