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

Certificates of Deposit (CDs)

Spencer’s Certificate of Deposit accounts provide a convenient way to earn more. Use your funds to gain a higher rate of interest than a regular savings account. We offer a variety of CD terms to choose from. Stop by your local branch and sit with your branch representative to see which option is best for you.

  • Competitive Annual Percentage Yields
  • $1,000 minimum opening deposit
  • Various terms from 91 days to 60 months to fit your investment goals
  • Simple monthly interest paid for terms less than 12 months
  • Compounded daily and credited monthly for terms 12 months or greater
  • Convenient automatic renewals
  • Premium pricing for Spencer Plus, Spencer Platinum and Spencer Gold customers
  • Choice of a monthly check or automatically transfer funds to another Spencer account
  • Premature withdrawal penalties may apply
Apply Now

Open Your Account Today

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