Today's Personal Rates

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent. As a result, low balance accounts may not be paid interest. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.

**Customer must be under 18 years of age to qualify for a SpencerKids Savings Account.

*APY = Annual Percentage Yield. Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent. As a result, low balance accounts may not be paid interest. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.

**Premium Money Market Promotion:  To qualify for the 4.00% APY, customer must open or maintain an active existing Non-Interest-Bearing Checking Account at the same time as Premium Money Market account opening with the same tax-identification number as the money market account holder and maintain a daily minimum balance of $5,000 or more for the duration of the promotional period. Fees may reduce earnings on this account. An active checking account is defined as an account that has multiple debits and credits coming in and out of the account monthly. Example Non-Interest-Bearing Checking – Kasasa Cash Back Checking is a non-interest-bearing checking account and has no monthly service charge. There is a $100 minimum balance to open a Kasasa Cash Back Checking Account. After the promotional period ends, standard pricing will apply and the rate will change. If the Checking Account is closed or does not maintain the minimum $5,000 daily account balance requirement, the account will be adjusted to reflect the 3.50% APY for the remainder of the promotional period. Account must be opened by 5/30/2026 and rate is guaranteed for 120 days from date of account opening. APYs are accurate as of 3/01/2026 and subject to change without notice. Offers may be withdrawn at any time.  ***NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.

*APY = Annual Percentage Yield

For CDs with terms of 12 months or longer, interest is compounded daily and credited monthly. For CDs with terms less than 12 months, simple interest is paid monthly. Stated rates are subject to change without notice. Maximum deposit is $500,000. APY offered assumes interest remains on deposit until maturity. Please contact your tax adviser for tax-deductible status. Spencer offers the convenience of automatic renewals. If either you or we prevent renewal, interest will not accrue after the final maturity. Early withdrawal penalties may be imposed and the fee could reduce principal.

Early withdrawals are subject to the following penalties;
•  If your account has an original maturity of 12 months or less, the fee we impose will equal one month interest on the amount withdrawn subject to penalty.
•  If your account has an original maturity of more than 12 months, but less than 36 months, the fee we impose will equal three months interest on the amount withdrawn subject to penalty.
•  If your account has an original maturity of 36 months or more, the fee we impose will equal six months interest on the amount withdrawn subject to penalty.

Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent.

Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.

*APY = Annual Percentage Yield

For CDs with terms of 12 months or longer, interest is compounded daily and credited monthly. For CDs with terms less than 12 months, simple interest is paid monthly.  Stated rates are subject to change without notice. Maximum deposit is $500,000. APY offered assumes interest remains on deposit until maturity. Please contact your tax adviser for tax-deductible status. Spencer offers the convenience of automatic renewals. If either you or we prevent renewal, interest will not accrue after the final maturity. Early withdrawal penalties may be imposed and the fee could reduce principal.

Early withdrawals are subject to the following penalties;
•  Maturity of less than 1 year, loss of 30 days interest
•  Maturity of more than 1 year, but less than 36 months, loss of 90 days interest
•  Maturity of 36 months or more, loss of six (6) months interest

One term change is allowed per year if you are over 59 1/2 years of age without penalty.

Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent.

Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.

**23-Month IRA Promotion: To qualify for the 4.50% APY, customer must maintain an active existing, or open, a non-interest-bearing checking at the same time as IRA account opening with the same tax-identification number as the IRA account holder and maintain a daily minimum balance of $5,000 for the duration of the promotion. An active checking account is defined as an account that has multiple debits and credits coming in and out of the account monthly. Example Non-Interest-Bearing Checking – Kasasa Cash Back Checking is a non-interest-bearing checking account and has no monthly service charge. There is a $100 minimum balance to open a Kasasa Cash Back Checking Account. Maximum deposit for 4.50% APY promotion is $500,000; and $250,000 for the 3.50% APY promotion per tax-ID. Limit one account per tax-ID. Account Closing: If the Checking Account is closed by Spencer or the customer within the duration of the initial 23-month term of the IRA account, the promotional interest rate will be forfeited, and the account will be adjusted to reflect the 3.50% APY for the remaining term. APY is accurate as of 3/01/2026. Offers may be withdrawn at any time. ***NEW MONEY ONLY. New Money is defined as money not on deposit at Spencer Savings Bank.

*APY= Annual Percentage Yield
**For this variable rate product, rate is subject to change after account opening.

For CDs with terms of 12 months or longer, interest is compounded daily and credited monthly.  CDs with terms less than 12 months, simple interest is paid monthly. APY offered assumes interest remains on deposit until maturity. Please consult your tax advisor for tax-deductible status. Spencer offers the convenience of automatic renewals. If either you or we prevent renewal, interest will not accrue after the final maturity. Early withdrawal penalties may be imposed and the fee could reduce principal.

Early withdrawals are subject to the following penalties;
•  Maturity of less than 1 year, loss of 30 days interest
•  Maturity of more than 1 year, but less than 36 months, loss of 90 days interest
•  Maturity of 36 months or more, loss of six (6) months interest

Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.