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Welcome to the first step of your journey towards retirement.

It’s quick and easy to start the process of opening your IRA with Spencer Savings Bank. This application will take less than 10 minutes to complete and you will need to have your bank information handy. Your Spencer IRA is FDIC insured up to $250,000 per depositor.

A Spencer representative will contact you within 24 business hours after submitting this application to verify receipt and take the next steps towards opening your new IRA account.

*Please Note: To open an account with Spencer, you must be a legal US resident. Applicants must either live or work in the state of NJ or Bucks County PA. Federal law requires that we verify two forms of valid identification during the account opening process such as: Driver’s License, Passport, County ID, Voters Registration Card and Major Credit Card. This IRA Account will not be opened until the verification process is complete and the signed IRA paperwork has been received by Spencer Savings Bank.

  • Step 1 Personal Information
  • Step 2 Choose IRA
  • Step 3 Funding
  • Step 4 Review & Submit

Are you a Spencer Savings Bank customer?


Personal Information



Spencer Account Number: