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Today's Personal Rates

Rates as of November 14, 2019, 10:17 am

Checking Account Description** Minimum Deposit to Open and Obtain Stated APY APY* Interest Rate Apply Now
(Desktop, Tablet or Mobile)
StudentEdge Checking

$25

N/A

N/A

Apply Now
Kasasa Cash Checking

$0.01 - $25,000
$25,000.01 or more
All balances when qualification requirements are not met.

3.25%
0.30%
0.05%
 
 

3.20%
0.30%
0.05%
 
 

Contact Us
Kasasa Cash Back Checking

$100

N/A

N/A

Contact Us
Spencer Checking

$100

N/A

N/A

Apply Now
Spencer Gold Checking

$100 or more

0.05%

0.05%

Apply Now
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

**Specific Account Requirements:

Customer must be 17-23 years of age to qualify for a StudentEdge Checking Account and 55+ years of age to qualify for a Spencer Gold Checking Account.

Kasasa Cash Back Monthly Qualification Cycle Requirements: To earn 5% cash back and ATM fee refunds, per statement cycle you must: Conduct 12 debit card transactions, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statement electronically via Online Banking.

Kasasa Cash Monthly Qualification Cycle Requirements: To earn 3.25% APY and ATM fee refunds, per statement cycle you must: Conduct at least 12 debit card purchases which post and clear your account within one statement cycle, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statements electronically via Online Banking.

Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Click here for monthly qualification cycle information.

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 living or working in New Jersey.

Savings Account Description Minimum Deposit to Open and Obtain Stated APY APY* Interest Rate Apply Now
(Desktop, Tablet or Mobile)
SpencerKids Savings

$1 or more

1.00%

1.00%

Contact Us
StudentEdge Savings

$100 - $25,000

$25,000.01 or more

1.00%

0.25%

1.00%

0.25%

Apply Now
E-Money Market (Promotional)
w/ Platinum Checking**

$250,000.01 or more
$5,000 - $250,000
$500 - $4,999.99

2.15%
2.15%
0.35%

2.15%
2.15%
0.35%

Contact Us
E-Money Market

$250,000.01 or more
$5,000 - $250,000
$500 - $4,999.99

1.40%
1.40%
0.35%

1.40%
1.40%
0.35%

Contact Us
Statement Savings

$100 - $24,999.99
$25,000 or more

0.10%
0.15%

0.10%
0.15%

Contact Us
Premium Money Market

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

0.10%
0.15%

0.10%
0.15%

Apply Now
Holiday Club Account

$5

0.25%

0.25%

Contact Us
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

0.05%
0.10%
0.15%
0.20%
0.20%

0.05%
0.10%
0.15%
0.20%
0.20%

Apply Now
Passbook Savings

$100 or more

0.15%

0.15%

Contact Us
Vacation Club Account

$5

0.25%

0.25%

Contact Us

*APY = Annual Percentage Yield

Customer must be 17-23 years of age to qualify for a StudentEdge Savings 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.

**New Money Only. Platinum Checking Account requirements include a minimum opening deposit of $100 and a $2,500 minimum to earn interest. $15 monthly service charge will be waived if $2,500 daily minimum balance is maintained.

Available to individuals living or working in New Jersey.

Certificate of Deposit (CD) Description Minimum Deposit to Open Account APY* Interest Rate Apply Now
(Desktop, Tablet or Mobile)
6 Month

$1,000

0.25%

0.25%

Apply Now
7 Month (Promotional)
w/ Platinum Checking**

$1,000

2.10%

2.10%

Contact Us
7 Month (Promotional)
No Checking Requirement**

$1,000

1.25%

1.25%

Contact Us
12 Month

$1,000

0.45%

0.45%

Apply Now
18 Month

$1,000

1.01%

1.00%

Apply Now
20 Month

$1,000

1.01%

1.00%

Apply Now
24 Month

$1,000

0.80%

0.80%

Apply Now
30 Month

$1,000

1.01%

1.00%

Apply Now
36 Month

$1,000

1.35%

1.34%

Apply Now
48 Month

$1,000

1.54%

1.53%

Apply Now
60 Month

$1,000

1.57%

1.54%

Apply Now
91 Day

$1,000

0.15%

0.15%

Apply Now

*APY = Annual Percentage Yield

Minimum balance to open account and obtain the APY. 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. 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. APY is offered as of date of publication. 

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

**New Money Only. Platinum Checking Account requirements include a minimum opening deposit of $100 and a $2,500 minimum balance to earn interest. $15 monthly service charge will be waived if $2,500 daily minimum balance is maintained. Fees may reduce earnings on the account.

Premium APYs not available on promotional CDs. Rate may change after the account is open. 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 living or working in NJ.

IRA Account Description Minimum Deposit to Open Account APY* Interest Rate Apply Now
(Desktop, Tablet or Mobile)
IRA Savings

$100 - $999.99
$1,000 or more

0.10%
0.20%

0.10%
0.20%

Contact Us
7 Month (Promotional)
w/ Platinum Checking**

$500

2.10%

2.10%

Contact Us
7 Month (Promotional)
No Checking Requirement**

$500

1.25%

1.25%

Contact Us
12 Month

$500

0.45%

0.45%

Contact Us
18 Month

$500

1.01%

1.00%

Contact Us
18 Month Variable

$50

0.25%

0.25%

Contact Us
24 Month

$500

0.80%

0.80%

Contact Us
30 Month

$500

1.01%

1.00%

Contact Us
36 Month

$500

1.35%

1.34%

Contact Us
48 Month

$500

1.54%

1.53%

Contact Us
60 Month

$500

1.57%

1.54%

Contact Us

*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. APY is offered as of date of publication.

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.  Premium APYs not available on promotional CDs. Rate may change after the account is open.

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.

**New Money Only. Platinum Checking Account requirements include a minimum opening deposit of $100 and a $2,500 minimum balance to earn interest. $15 monthly service charge will be waived if $2,500 daily minimum balance is maintained.

Available to individuals living or working in NJ.

Coverdell Description Minimum Deposit to Open Account APY* Interest Rate Apply Now
(Desktop, Tablet or Mobile)
7 Month (Promotional)
w/ Platinum Checking**

$500

2.10%

2.10%

Contact Us
7 Month (Promotional)
No Checking Requirement**

$500

1.25%

1.25%

Contact Us
12 Month

$500

0.45%

0.45%

Contact Us
18 Month Variable

$50

0.25%

0.25%

Contact Us
18 Month

$500

1.01%

1.00%

Contact Us
24 Month

$500

0.80%

0.80%

Contact Us
30 Month

$500

1.01%

1.00%

Contact Us
36 Month

$500

1.35%

1.34%

Contact Us
48 Month

$500

1.54%

1.53%

Contact Us
60 Month

$500

1.57%

1.54%

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. 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. APY is offered as of date of publication.

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

Premium APYs not available on promotional CDs.

Rate may change after the account is open.  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.

**New Money Only. Platinum Checking Account requirements include a minimum opening deposit of $100 and a $2,500 minimum balance to earn interest. $15 monthly service charge will be waived if $2,500 daily minimum balance is maintained.

Available to individuals living or working in NJ.