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  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. 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
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Open Your Account Today

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