Now is the time to unlock the value in your home and put it to work for you. Whether you’re planning home improvements, consolidating debt, or covering unexpected expenses, our fixed-rate home equity loan offers a smart, stable solution.
✔ Predictable monthly payments
✔ Competitive low rate
✔ Fast, local decision-making
✔ Waived application fee ($350-$550 value)
Why Choose Spencer Savings Bank?
- Local Expertise & Personalized Service: We understand our community and tailor solutions to fit your needs.
- Fast, Local Decisions: Get your loan approved quickly without the hassle of big bank delays.
- Trusted Partner: Serving families and businesses with integrity for decades.
- Competitive Rates & Transparent Fees: No surprises, just smart financial solutions.
Don’t Wait! This Exclusive Offer Ends July 16th!
Apply online, visit your local Financial Center, or call us at 1-800-363-8115 today!
*ELIGIBLE BORROWERS: Promotional rate and application fee waiver are available for all new loan applications submitted between June 16, 2025 – September 30, 2025. Loan must be secured by a first or second lien on an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. This interest rate includes an additional .125% reduction when monthly payments are automatically deducted from a Spencer checking account. Other rates and terms are available for those not eligible for this program – call for details. Property Insurance is required. Flood Insurance may be required. Payments shown do not include applicable taxes and insurance. Rates and terms are subject to change without notice. All loans are subject to credit approval. Third-party data fees may apply.