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  Coronavirus Update

We are offering a SBA Paycheck Protection Program to support our business customers. Read More

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. Among other forms of economic aid, the CARES Act provides businesses affected by COVID-19 with special assistance programs. One such Small Business Administration (SBA) program is the Paycheck Protection Program, which assists businesses with job retention and specific expenses. Spencer Savings Bank is proud to partner with FOUNTAINHEAD Commercial Capital / Small Business Finance, a top national SBA lender, to offer the Paycheck Protection Program for businesses in need. Please click on the link below to be directed to Fountainhead’s website where you can learn more about the Paycheck Protection Program and apply.

When completing the application, please indicate Spencer Savings Bank as the FastTrack Partner, and as the Referral Partner’s email address.



$5,000 minimum deposit

Earn a high yield on your
Savings Account

Open Your Account Today!

Visit your local branch, or call us at 1-800-363-8115 today!


*APY = Annual Percentage Yield. Interest on SmartSaver Account is compounded daily and credited monthly. Published APY’s are accurate as of the date of this publication and may be withdrawn at any time. $5,000 minimum daily balance to a maximum of $250,000 to earn stated APY. Current APY for Spencer SmartSaver account balance tiers are $250,000.01 and over is .10% APY; $5,000 to $250,000 is 1.00% APY; $100 to $4,999.99 is .10% APY. There is a $100 minimum opening deposit required to earn interest and to avoid a $3 monthly service charge. This rate may vary and fees could reduce earnings on this account. Individuals must live or work in the state of New Jersey or in Bucks County, PA.