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   A Message To Our Customers
Spencer will never ask for your online banking username, password, or PIN via text, email, or phone call. If you receive any such request, please do not respond and contact our Customer Service Center at 1-800-363-8115. 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!
3.75
%APY
- Lock In Our CD Rate -

30-Year Mortgage

Fixed Rate 
7.039
%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
Stay Cognizant of Text Message and Phone Call Scams
Scammers work year-round, often targeting banking customers and credit or debit card users. Scammers send text messages or make phone... Read more
Spencer Savings Bank Welcomes Angelos Kouzinas as West Caldwell Financial Center Manager
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Angelos Kouzinas as Financial Center Manager... Read more
Spencer Savings Bank Appoints Silvia D’Onofrio as VP, Corporate Services and Security Officer
Spencer Savings Bank, one of New Jersey’s leading community banks, is pleased to welcome Silvia D’Onofrio as Vice President, Corporate... Read more