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  Holiday Closing & Important Update
We 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. Normal business hours will resume on Monday, July 6th. Read More

Our financial centers are now reopened with regularly scheduled hours for lobby and drive-up service. Spencer customers will now have full access to the lobby area of all our financial centers. We understand there are still concerns when visiting public spaces, such as these. To ease such concerns we have implemented a number of new safety practices and protocols that you will notice upon visiting our financial centers, all of which are designed to ensure a safe and secure environment for everyone that visits our bank. 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, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County
  • Household Income Limitations:
    Bergen/Passaic/Hudson: $63,440
    Essex/Union/Morris/Hunterdon/Sussex: $78,880
    Middlesex/Somerset: $86,480
    Mercer: $84,640
  • 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!