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  Holiday Closing
Spencer Savings Bank will be closing at 3:00pm on December 24th and closed on December 25th in observance of Christmas Day. Read Full Message

For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms.

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.

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’s Annual Toy Drive Brings Joy to Hundreds in the Community
Spencer Savings Bank’s annual toy drive this December brought joy to hundreds of local children and families. Bank employees, including... Read more
Spencer Appoints Paul Campisi as VP, C&I and SBF Team Leader
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to announce Paul Campisi has joined the team... Read more