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  Elizabeth Financial Center Closing
Our Elizabeth Financial Center will be closed Saturday, April 13th, Monday, April 15th and Tuesday, April 16th due to Financial Center repairs. This location will reopen on Wednesday, April 17th. Read More

For your convenience, please visit one of the following full-service locations during this time:

Union Financial Center
1350 Galloping Hill Rd.
Union, NJ 07083
908-289-1770

Cranford Financial Center
213 South Avenue
Cranford, NJ 07016
908-653-1720

Account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. We apologize for the inconvenience.

SpencerFlex Line of Credit

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