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  Online Banking Update
We have resolved an issue impacting the availability of our Online and Small Business Banking. Mobile device users may continue experiencing latency or may intermittently not be able to log in. Thank you for your patience and understanding while we address this issue. Read More

Get Today's Rates

At Spencer, we’re committed to offering our customers some of the best rates in the market.

Premium Money Market

Great Rate
3.00
%APY
- See Our Great Rates -

11-Month CD

Lock It In!
4.00
%APY
- Lock In Our CD Rate -

30-Year Mortgage

Fixed Rate 
6.159
%APR
- See Our Fixed Rates -

Mobile Banking

Mobile App

Use our mobile banking platform to deposit checks, pay bills, check balances and much more. Download our free app and get started today.

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Online Banking

Online Banking

24/7 access. Manage accounts, pay bills, request a home equity credit line advance and more. Be sure to sign up if you have not done so.

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Contact Us

Contact Us

Contact our Customer Service Center team at 1-800-363-8115. Hours of operation are Mon-Friday from 8am-8pm and Sat from 8am-2pm.

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Current News
& Announcements All News
MARY SISTO
Spencer Savings Bank Welcomes Mary Kellee Sisto as New Business Development Officer
Spencer Savings Bank, a leading New Jersey-based community bank, is pleased to announce that Mary Kellee Sisto has joined the... Read more
West Caldwell Business Customer
Business Customer Spotlight: C&G Imported Car Repairs
Tell us about your business and how you got started? I’m the small business owner of C&G Imported Car... Read more
Scholarship Group Photo
Spencer Savings Bank Awards $37,500 in Scholarships to Local High School Students
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce that it has awarded $37,500... Read more