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  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

Your New Bank Has Been Here All Along

Experience the Spencer Difference

If your bank is closing, we invite you to Spencer Savings Bank, one of New Jersey’s strongest community banks for more than 100 years. Spencer operates 20 financial centers in 6 counties throughout New Jersey, with a team of nearly 300 dedicated employees who specialize in delivering premier banking products and services. Get started with these exclusive limited-time offers or reach out to us directly to begin your new banking relationship.

Visit your local financial center or contact your banking professionals to get started.

Garfield Financial Centers

Julius Casiano

AT, Financial Center Manager

Marzena Czachor

VP, Market Manager

Lyndhurst Financial Center

Beata Burdzy

AT, Financial Center Manager

Anthony Niciejewski

VP, Market Manager

Westfield Financial Center

Marta Alexandre

AT, Financial Center Manager

Carmen Rivera

VP, Market Manager

*APY = Annual Percentage Yield. APYs are accurate as of 3/26/2021. Rates may change after account is opened and are subject to change without notice. Fees may reduce earnings on the account. Kasasa Cash Checking: For Kasasa Cash Checking, if qualifications are met within the corresponding qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle up to $25 monthly will be reimbursed and credited to the account on the last day of current statement cycle; (2) balances up to $25,000 receive APY of 1.98%; and (3) balances over $25,000 earn 0.30% interest rate on the portion of the balance over $25,000 resulting in 0.64% to 2.00% APY depending on the balance in the account. If qualification requirements are not met on Kasasa Cash Checking all balances earn 0.05% APY. Qualifying transactions must post and clear Kasasa Cash Checking account during monthly qualification cycle. Kasasa Cash Back Checking: For Kasasa Cash Back Checking, if qualifications are met you receive: (1) 5% cash back on debit card purchases that post and clear account during the monthly qualification cycle up to a total cash back of $10 monthly; (2) Nationwide ATM fees incurred during qualification cycle up to $25 monthly will be reimbursed and credited to the account on the last day of current statement cycle. Transactions may take one or more banking days from the date the transaction was made to post and clear account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Minimum to open both Kasasa Cash Checking and Kasasa Cash Back Checking is $100. Kasasa Cash and Kasasa Cash Back account qualification requirements per statement cycle: (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 current statement cycle; (c) establish and maintain 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. Available to individuals who live or work in NJ. Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Home Equity Loan: *Offer only valid for NEW HOME EQUITY CUSTOMERS that received this promotional offer. To qualify, customer must open or maintain an existing Platinum Checking Account. Platinum Checking Account has no monthly service charge if a daily minimum balance of $2,500 is maintained. Otherwise, a $15 Monthly Service Fee will apply. To qualify for the home equity loan, property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. Loan closing must take place within thirty days of approval. Property Insurance is required. Flood Insurance may be required. Rates and terms are subject to change without notice. All loans are subject to credit approval. Mortgage Loan: *Offer only valid for NEW MORTGAGE CUSTOMERS that received this promotional offer. Rate will be reduced by 1/4% and the Application Fee will be waived on any new owner-occupied mortgage when payments are automatically deducted from a Platinum Checking Account. To qualify for this offer, customer must 1) open or maintain an existing Platinum Checking Account; AND 2) Make monthly mortgage payments via auto-deduct from this Platinum Checking Account. Platinum Checking Account has no monthly service charge if a daily minimum balance of $2,500 is maintained. Otherwise, a $15 Monthly Service Fee will apply. Mortgage Fees: Attorney Review Fee is $325 and Private Mortgage Insurance (PMI) is available for down payments less than 20%. PMI will increase your monthly payment amounts. Rate and APR may vary subject to loan amount, purpose of loan, etc. and are subject to change without notice. Property Insurance required. Flood Insurance may be required. All loans are subject to credit approval. This loan offer is only available to individuals living New Jersey or Bucks County, PA. This promotional rate cannot be combined with any other loan program.