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Today's Personal Rates

Rates as of July 1, 2016, 9:26 am

Product Minimum Deposit to Open Account Interest Rate APY* Apply Now
StudentEdge Checking

$25

0.00%

0.00%

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Spencer Checking

$100

0.00%

0.00%

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**Spencer Gold Checking

$100

0.10%

0.10%

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Spencer Platinum Checking

$2,500 - $9,999.99
$10,000 - $34,999.99
$35,000 or more

0.05%
0.05%
0.10%

0.05%
0.05%
0.10%

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*APY = Annual Percentage Yield

**Spencer Gold Checking is for individuals 55 years or older.

Available to individuals living or working in New Jersey or Bucks County, PA.  Rate may change after account is open. Fees could reduce earnings on the account.

Product Minimum Deposit to Open Account Interest Rate APY* Apply Now
**SpencerKids Savings

$1

0.75%

0.75%

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Holiday Club Account

$5

0.25%

0.25%

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Vacation Club Account

$5

0.25%

0.25%

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Passbook Savings

$100

0.20%

0.20%

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***StudentEdge Savings

$100 - $25,000

1.00%

1.00%

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Premium Savings

$100 - $4,999.99
$5,000 or more

0.10%
0.15%

0.10%
0.15%

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Premium Money Market

$100 - $9,999.99
$10,000 or more

0.10%
0.20%

0.10%
0.20%

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Platinum Savings

$100 - $4,999.99
$5,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 or more

0.10%
0.15%
0.20%
0.25%
0.25%

0.10%
0.15%
0.20%
0.25%
0.25%

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*APY = Annual Percentage Yield

**SpencerKids Savings is a custodial account under the Uniform Transfers to Minors Act for children under 21 years of age.  Interest is compounded daily and credited quarterly.  Rates may change after the account is open.  Minimum opening deposit and minimum balance are required to earn APY.

***StudentEdge Savings is for individuals 17-23 years of age that have an active StudentEdge Checking account. Upon reaching 24 years of age, the account will automatically be converted to a Spencer Statement Savings Account.  Minimum opening deposit and minimum balance are required to earn APY.

Available to individuals living or working in New Jersey or Bucks County, PA. Rate may change after account is open. Fees could reduce earnings on the account.

Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, or similar order to third parties are limited to six per month.

 

Certificate of Deposit (CD) Description Minimum Deposit to Open Account Interest Rate APY* Apply Now
91 Day

$1,000

0.15%

0.15%

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6 Month

$1,000

0.25%

0.25%

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10 Month

$1,000

0.40%

0.40%

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12 Month

$1,000

0.50%

0.50%

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18 Month

$1,000

0.40%

0.40%

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20 Month

$1,000

0.75%

0.75%

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24 Month

$1,000

0.55%

0.55%

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30 Month

$1,000

0.75%

0.75%

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36 Month

$1,000

1.00%

1.00%

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48 Month

$1,000

1.24%

1.25%

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60 Month

$1,000

1.49%

1.50%

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*APY = Annual Percentage Yield
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. Maximum deposit is $500,000. APY offered assumes interest remains on deposit until maturity. 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 living or working in New Jersey or Bucks County, PA. Rate may change after account is open.  Fees could reduce earnings on the account.                                                         

IRA Account Description Minimum Deposit to Open Account Interest Rate APY* Apply Now
IRA Savings

$100 - $999.99
$1,000 or more

0.10%
0.20%

0.10%
0.20%

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12 Month

$500

0.50%

0.50%

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18 Month

$500

1.00%

1.00%

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**18 Month Variable

$50

0.25%

0.25%

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24 Month

$500

0.55%

0.55%

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36 Month

$500

1.00%

1.00%

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48 Month

$500

1.24%

1.25%

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60 Month

$500

1.49%

1.50%

Apply Now

Minimum balance to open account and obtain the APY.  Interest is compounded daily and credited 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.
Available to individuals living or working in New Jersey or Bucks County, PA.

*APY = Annual Percentage Yield
**Rate may change after the account is open. Fees could reduce earnings on the account. 

Coverdell Description Minimum Deposit to Open Account Interest Rate APY* Apply Now
12 Month Fixed

$500

0.50%

0.50%

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18 Month Fixed

$500

1.00%

1.00%

Contact Us
**18 Month Variable

$50

0.25%

0.25%

Contact Us
24 Month Fixed

$500

0.55%

0.55%

Contact Us
36 Month Fixed

$500

1.00%

1.00%

Contact Us
48 Month Fixed

$500

1.24%

1.25%

Contact Us
60 Month Fixed

$500

1.49%

1.50%

Contact Us

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. Maximum deposit is $500,000. APY offered assumes interest remains on deposit until maturity. 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 living or working in New Jersey or Bucks County, PA. Please contact your tax adviser for tax-deductible status.

*APY= Annual Percentage Yield
**Rate may change after the account is open. Fees could reduce earnings on the account.