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  Holiday Closing & Security Information
Spencer Savings Bank will be closed on Friday, June 19th in observance of Juneteenth. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read Full Message

Protect Yourself From Scammers!
The banking industry has seen an increase in fraud attempts targeting customers. Spencer will never request your one-time passcode/security code, online banking username, password, PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances.

If you receive such a request, do not respond or provide any information. Instead, contact our Customer Service Center immediately at 1-800-363-8115, regardless of the message channel.

Secure Your Rate. Grow Your Savings.

CD IRA Offer Rate Box

Put your savings to work with a competitive 14-month rate designed to help your money grow.

Whether you’re saving for a future goal, building your nest egg, or looking for a secure place for your business funds, Spencer Savings Bank’s competitive 14-Month CD or IRA offer can help you make the most of your money.

Offer Details:

  • Competitive fixed rate for the entire 14-month term
  • Available for Consumer CDs, IRAs, and Business CDs
  • No checking account required
  • New money only***

Enjoy a guaranteed rate for the full term and the confidence that comes from banking with a trusted community bank.

Get Started Today

Don’t miss this opportunity to secure a competitive rate and take the next step toward your savings goals. Open your personal CD or IRA account online today.
**Businesses can visit a Spencer Financial Center to take advantage of this offer.

 
Open a CD Today
 
Open an IRA Today
 

 
*APY=Annual Percentage Yield. These APYs are only valid on the 14-Month CD or IRA. A $1,000 minimum deposit for the CD account or $500 minimum deposit for the IRA account is required to obtain the stated APYs. New Money Only. The maximum CD or IRA account for this promotion is $250,000 for consumers per tax-identification number and $500,000 for business entities per tax-identification number (CD Only). APYs assume interest remains on deposit until maturity. A penalty will be imposed for premature withdrawals. Interest is compounded daily and credited monthly. Fees may reduce earnings on account. One rate and term change allowed per year if you are over 59 ½ years of age, without penalty. For IRA accounts, consult your tax advisor. 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. APYs are accurate as of 6/15/2026. Offers are only valid through 8/15/2026 and may be withdrawn at any time. **Accounts for business entities cannot be opened online. To open an account, please visit a Financial Center. ***NEW MONEY ONLY is defined as money not on deposit at Spencer Savings Bank.