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  Financial Center Closing & Important News
Temporary Closing Read More

The Wood-Ridge Financial Center is currently closed. Please visit our nearest Financial Center located at 107 South Main Street, Lodi for your banking needs. We apologize for the temporary inconvenience.

Mariner’s Bank has joined Spencer Savings Bank.
We are excited to welcome Mariner’s customers and employees to the Spencer family. Read More

SpencerFlex Apps

Please review the following Home Equity Lines of Credit brochure. Click here to download and print.

Then you may access the appropriate “important terms” disclosure and application package.

SpencerFlex Promo – Owner-Occupied: Click here to download and print.

SpencerFlex – Owner-Occupied: Click here to download and print.

SpencerFlex – Non-Owner-Occupied: Click here to download and print.