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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
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11-Month CD

Lock It In!
4.00
%APY
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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