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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

 

Fixed Rate Mortgage

If you plan on owning your home for a while, then you should lock into a great rate with Spencer. Our fixed rate home mortgages are structured so interest rates and monthly payments remain constant throughout the life of the loan. You’ll have the security of knowing that your interest and monthly payments will never increase. You can choose to either lock into a long term with lower monthly payments, or you could lock into a shorter term and save thousands of dollars in interest because your loan will be paid off faster.

Fixed Rate Mortgage features:

  • Fixed Monthly Payments
  • Variety of Terms Available
  • Stability, Predictability and Easy Budgeting
  • Potential Tax Benefits (consult your tax advisor)

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

Mortgage Sales Representative
NMLS# 519891
1-201-703-3800 ext. 8336