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

Premium Money Market

Great Rate
2.90
%APY
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11-Month CD

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3.50
%APY
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30-Year Mortgage

Fixed Rate 
6.032
%APR
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Specialty Lending Solutions

Custom financing designed to support the growth and success of your profession.

Manufacturing

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Power your business with smart lending solutions built to streamline operations.

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CPAs

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Rely on a trusted financial partner who can provide the resources to help your practice and client base thrive.

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Law Firms

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Access tailored lending solutions that support the unique needs of legal professionals.

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Current News
& Announcements All News
STEM Education $10,000 Donation
Spencer Savings Bank, a leading New Jersey-based community bank, recently donated $10,000 to the Research and Development Council of... Read more
Portrait of CFO Steve Fusco
We’re celebrating Financial Wellness Month with our Executive Vice President and Chief Financial Officer Steve Fusco! We asked Steve... Read more
Phone with SCAM! IRS calling message shown.
As tax season approaches, IRS scams are rising significantly. Scammers often impersonate the IRS regarding unpaid taxes – using threats... Read more