Rates as of July 11, 2026
| Checking Account Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Open Today |
|---|---|---|---|---|
| Kasasa Cash Checking** | $0.01 - $25,000 |
4.00% |
3.93% |
Open Today |
| Kasasa Cash Back Checking*** | $100 |
None |
None |
Open Today |
*APY = Annual Percentage Yield. Rates are subject to change after the account is opened. No monthly service charges. No minimum account balance required, however, you must deposit a minimum of $100 to open this account. Offers may change or be withdrawn at any time without notice. Fees may reduce earnings on the account. Interest payments are rounded to the nearest cent. As a result, low balance accounts may not be paid interest. Available to personal account holders only. Nationwide ATM fees up to $25 monthly will be refunded, provided qualification requirements are met. Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Click here for monthly qualification cycle information. APY’s are accurate as of 7/01/26. 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.
**Kasasa Cash Monthly Qualification Cycle Requirements: To earn 4.00% APY and ATM fee refunds, per statement cycle you must: (a) conduct at least 12 debit card purchases which post and clear your account within one statement cycle; (b) receive at least one ACH direct deposit or process at least one automatic debit which posts and clears your account within one statement cycle; (c) establish and maintain a Spencer Online Banking relationship; and (d) elect to receive your monthly account statements via Online Banking. ATM transactions do not qualify as debit card transactions. The above interest rate 3.93% with an APY of 4.00% will be paid only for that portion of your daily balance that is $25,000 or less. An interest rate of 0.30% with an APY ranging from 4.00% to 1.04% depending on the balance in the account will be paid only for that portion of your daily balance that is more than $25,000. The above interest rates and APYs will be paid provided that the Kasasa Cash Checking qualification requirements are met within the corresponding statement cycle. If you do not meet the qualification requirements for a statement cycle, your account will still function as a checking account earning 0.05% APY; however, it will not receive ATM fee refunds for that statement cycle. APY Range calculations are based on an assumed balance of $125,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
***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.
| Savings Account Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Open Today |
|---|---|---|---|---|
| SpencerKids Savings** | $0 - $0.99 |
0.00% |
0.00% |
Contact Us |
| Statement Savings | $0 - $99.99 |
0.00% |
0.00% |
Open Today |
| Platinum Savings | $0 - $99.99 |
0.00% |
0.00% |
Open Today |
*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.
| Money Market Account Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Open Today |
|---|---|---|---|---|
| Premium Money Market | $0 - $99.99 |
0.00% |
0.00% |
Open Today |
| Premium Money Market Promo** (New Money Only)*** | $10,000 - $250,000 |
4.00% |
3.928% |
Open Today |
*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 promo is a variable rate, interest-bearing account with promotional interest tiers as follow: Daily balances $0 – $99.99 – 0.00%; $100 – $9,999.99 – 0.25% APY; $10,000 – $250,000 – 4.00% APY. There is a $100 minimum deposit required to open this account and a $15 monthly service charge if the daily minimum balance falls below $1,000 at any time during the statement cycle. Minimum deposit of $10,000 and maximum deposit of $250,000 per social security number to receive promotional APY. Account must be opened by 8/15/2026 and rate is guaranteed for 6 months from date of account opening. After the promotional period ends, standard pricing will apply and the rate will change. APY is accurate as of 6/15/2026 and is subject to change without notice. Offer may be withdrawn at any time. *** New Money is defined as money not on deposit at Spencer Savings Bank within the last six months. Use Promo Code: MM26
| Certificate of Deposit (CD) Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Open Today |
|---|---|---|---|---|
| 3 Month | $1,000 or Greater |
0.10% |
0.10% |
Open Today |
| 6 Month | $1,000 or Greater |
0.15% |
0.15% |
Open Today |
| 11 Month | $1,000 or Greater |
3.50% |
3.500% |
Open Today |
| 12 Month | $1,000 or Greater |
0.20% |
0.20% |
Open Today |
| 14 Month CD Promo** (New Money Only)*** | $1,000 - $250,000 |
4.25% |
4.162% |
Open Today |
| 18 Month | $1,000 or Greater |
0.25% |
0.25% |
Open Today |
| 24 Month | $1,000 or Greater |
0.35% |
0.35% |
Open Today |
| 30 Month | $1,000 or Greater |
0.45% |
0.45% |
Open Today |
| 36 Month | $1,000 or Greater |
0.50% |
0.50% |
Open Today |
| 48 Month | $1,000 or Greater |
0.55% |
0.55% |
Open Today |
| 60 Month | $1,000 or Greater |
0.65% |
0.65% |
Open Today |
Contact Us Today!
For additional information on other rates and terms, please contact your local Financial Center or our Customer Service Center at 1-800-363-8115.
*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.
**This APY is only valid on the 14-month CD. A $1,000 minimum deposit for the CD account is required to obtain the stated APY. New Money Only. The maximum CD amount for this promotion is $250,000 per tax-identification number. APY assumes interest remains on deposit until maturity. Interest is compounded daily and credited monthly. APY is accurate as of 6/15/2026. Offer is only valid through 8/15/2026 and may be withdrawn at any time.
***NEW MONEY ONLY is defined as money not on deposit at Spencer Savings Bank.
| IRA Account Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Open Today |
|---|---|---|---|---|
| 6 Month | $500 or Greater |
0.15% |
0.150% |
Open Today |
| 11 Month | $500 or Greater |
3.50% |
3.500% |
Open Today |
| 12 Month | $500 or Greater |
0.20% |
0.200% |
Open Today |
| 14 Month IRA Promo** (New Money Only)*** | $500 - $250,000 |
4.25% |
4.162% |
Open Today |
| 18 Month | $500 or Greater |
0.25% |
0.250% |
Open Today |
| 24 Month | $500 or Greater |
0.35% |
0.350% |
Open Today |
| 30 Month | $500 or Greater |
0.45% |
0.450% |
Open Today |
| 36 Month | $500 or Greater |
0.50% |
0.500% |
Open Today |
| 48 Month | $500 or Greater |
0.55% |
0.550% |
Open Today |
| 60 Month | $500 or Greater |
0.65% |
0.650% |
Open Today |
| IRA Savings | $0 - $99.99 |
0.00% |
0.00% |
Open Today |
Contact Us Today!
For additional information on other rates and terms, please contact your local Financial Center or our Customer Service Center at 1-800-363-8115.
*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.
**This APY is only valid on the 14-Month IRA. A $500 minimum deposit for the IRA account is required to obtain the stated APY. New Money Only. The maximum IRA amount for this promotion is $250,000 per tax-identification. APY assumes interest remains on deposit until maturity. Interest is compounded daily and credited monthly. APY is accurate as of 6/15/2026. Offer is only valid through 8/15/2026 and may be withdrawn at any time.
***NEW MONEY ONLY is defined as money not on deposit at Spencer Savings Bank.
| Coverdell Description | Minimum Deposit to Open Account and Obtain APY | APY* | Interest Rate | Apply Now (Desktop, Tablet or Mobile) |
|---|---|---|---|---|
| 6 Month | $500 or Greater |
0.15% |
0.150% |
Contact Us |
| 11 Month | $500 or Greater |
3.50% |
3.500% |
Contact Us |
| 12 Month | $500 or Greater |
0.20% |
0.200% |
Contact Us |
| 14 Month Promotion** (New Money Only)*** | $500 - $250,000 |
4.25% |
4.162% |
Contact Us |
| 18 Month | $500 or Greater |
0.25% |
0.250% |
Contact Us |
| 24 Month | $500 or Greater |
0.35% |
0.350% |
Contact Us |
| 30 Month | $500 or Greater |
0.45% |
0.450% |
Contact Us |
| 36 Month | $500 or Greater |
0.50% |
0.500% |
Contact Us |
| 48 Month | $500 or Greater |
0.55% |
0.550% |
Contact Us |
| 60 Month | $500 or Greater |
0.65% |
0.650% |
Contact Us |
Contact Us Today!
For additional information on other rates and terms, please contact your local Financial Center or our Customer Service Center at 1-800-363-8115.
*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.
**This APY is only valid on the 14-Month Coverdell Education Savings Account (CESA). A $500 minimum deposit for the CESA account is required to obtain the stated APY. New Money Only. The maximum deposit amount for this promotion is $250,000 per tax-identification. APY assumes interest remains on deposit until maturity. Interest is compounded daily and credited monthly. APY is accurate as of 6/15/2026. Offer is only valid through 8/15/2026 and may be withdrawn at any time. ***NEW MONEY ONLY is defined as money not on deposit at Spencer Savings Bank.