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Today's Personal Rates

Rates as of August 10, 2016, 4:49 pm

Product Minimum Deposit to Open and Obtain Stated APY Interest Rate APY* Apply Now
StudentEdge Checking

$25

N/A

N/A

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Spencer Checking

$100

N/A

N/A

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Spencer Gold Checking

$100 or more

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%

Apply Now

*APY = Annual Percentage Yield

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.

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.

Product Minimum Deposit to Open and Obtain Stated APY Interest Rate APY* Apply Now
SpencerKids Savings

$1 or more

0.75%

0.75%

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Holiday Club Account

$5

0.25%

0.25%

Contact Us
Vacation Club Account

$5

0.25%

0.25%

Contact Us
Passbook Savings

$100 or more

0.20%

0.20%

Contact Us
StudentEdge Savings

$100-$25,000

$25,000.01 or more

1.00%

.25%

1.00%

.25%

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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%

Apply Now
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%

Apply Now

*APY = Annual Percentage Yield

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.

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.

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

$1,000

1.24%

1.25%

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60 Month

$1,000

1.49%

1.50%

Apply Now
18 Month

$1,000

0.40%

0.40%

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10 Month

$1,000

0.40%

0.40%

Apply Now
12 Month

$1,000

0.50%

0.50%

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20 Month

$1,000

0.75%

0.75%

Apply Now
24 Month

$1,000

0.55%

0.55%

Apply Now
30 Month

$1,000

0.75%

0.75%

Apply Now
91 Day

$1,000

0.15%

0.15%

Contact Us
6 Month

$1,000

0.25%

0.25%

Apply Now
36 Month

$1,000

1.00%

1.00%

Apply Now

*APY = Annual Percentage Yield

Minimum balance to open account and obtain the APY. 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.

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.                                                          

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%

Apply Now
12 Month

$500

0.50%

0.50%

Apply Now
18 Month

$500

1.00%

1.00%

Apply Now
**18 Month Variable

$50

0.25%

0.25%

Apply Now
24 Month

$500

0.55%

0.55%

Apply Now
36 Month

$500

1.00%

1.00%

Apply Now
48 Month

$500

1.24%

1.25%

Apply Now
60 Month

$500

1.49%

1.50%

Apply Now

*APY = Annual Percentage Yield

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.

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

Coverdell Description Minimum Deposit to Open Account Interest Rate APY* Apply Now
18 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
36 Month Fixed

$500

1.00%

1.00%

Contact Us
12 Month Fixed

$500

0.50%

0.50%

Contact Us
24 Month Fixed

$500

0.55%

0.55%

Contact Us
**18 Month Variable

$50

0.25%

0.25%

Contact Us

*APY= Annual Percentage Yield

Minimum balance to open account and obtain the APY. 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.

Rate may change after the account is open.
Fees could reduce earnings on the account.
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.