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  Holiday Closing
Spencer Savings Bank will be closed January 20th in observance of Martin Luther King Jr. Day. For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read Full Message

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 
7.165
%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.

Contact Us
Current News
& Announcements All News
Spencer Welcomes Saddle Brook Financial Center Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Aturo Cousar as Financial Center Manager... Read more
Spencer Appoints Dana Berlin as Senior Vice President and Director of Commercial Real Estate Lending
Spencer Savings Bank, one of New Jersey’s leading community banks, has announced the promotion of Dana Berlin to Senior Vice... Read more
Celebrating Financial Wellness Awareness Month
January is Financial Wellness Awareness month—serving as a reminder to prioritize our financial well-being and to make informed financial decisions... Read more