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Spencer Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Spencer Savings Bank?

Current rates for Spencer Savings Bank include: 12-Month CD: 0.20%, 18-Month CD: 0.25%, 24-Month CD: 0.35%, 36-Month CD: 0.50%, 48-Month CD: 0.55%, 60-Month CD: 0.65%, Savings: 1.00%, MMA: 2.90%

Q: What CD terms does Spencer Savings Bank offer?

Spencer Savings Bank CD rates are 3.75% APY for a 7 month CD, 0.20% APY for a 12 month CD, 3.85% APY for a 13 month CD, 0.25% APY for an 18 month CD, 3.65% APY for a 19 month CD, 0.35% APY for a 2 year CD, 0.50% APY for a 3 year CD, 0.55% APY for a 4 year CD and 0.65% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Spencer Savings Bank for its full lineup.

Q: How many branches does Spencer Savings Bank operate?

Spencer Savings Bank currently maintains approximately 28 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Spencer Savings Bank's Standard CD - 13-Month rates are at 3.85%, Standard CD - 7-Month rates are at 3.75%, Standard CD - 19-Month rates are at 3.65%, Standard CD - 60-Month rates are at 0.65%, Standard CD - 48-Month rates are at 0.55%. Spencer Savings Bank's savings rates are at 1.00%. Spencer Savings Bank's money market rates are at 2.90%. Spencer Savings Bank's checking rates are as high as 4.00%. Spencer Savings Bank's Special Homeowner 10 Year Fixed First Lien rates are at 5.75%, Special Homeowner 15 Year Fixed First Lien rates are at 6.00%, Special Homeowner 20 Year Fixed First Lien rates are at 6.00%, 10 Year Fixed Rate rates are at 6.00%, Special Homeowner 30 Year Fixed First Lien rates are at 6.25%. Spencer Savings Bank's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Spencer Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.96%. Rates last updated and verified on 11/05/2026.

Spencer Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Spencer Savings Bank? Share your experience about Spencer Savings Bank by leaving a review below, or read customer reviews before you decide to use Spencer Savings Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.96%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Spencer Savings Bank, SLA

611 River Dr
Elmwood Park, NJ 07407

https://www.spencersavings.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Spencer Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
IRA 13-Month CD	3.78%	3.85%	13 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 13-Month	3.78%	3.85%	13 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 7-Month CD	3.75%	3.75%	7 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 7-Month	3.75%	3.75%	7 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 19-Month CD	3.585%	3.65%	19 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 19-Month	3.585%	3.65%	19 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 60-Month CD	0.65%	0.65%	60 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 60-Month	0.65%	0.65%	60 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 48-Month CD	0.55%	0.55%	48 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 48-Month	0.55%	0.55%	48 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 36-Month CD	0.50%	0.50%	36 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 36-Month	0.50%	0.50%	36 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 30-Month CD	0.45%	0.45%	30 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 30-Month	0.45%	0.45%	30 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 24-Month CD	0.35%	0.35%	24 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 24-Month	0.35%	0.35%	24 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 18-Month CD	0.25%	0.25%	18 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 18-Month	0.25%	0.25%	18 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 12-Month CD	0.20%	0.20%	12 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 12-Month	0.20%	0.20%	12 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA 6-Month CD	0.15%	0.15%	6 Month	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 6-Month	0.15%	0.15%	6 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Standard CD - 3-Month	0.10%	0.10%	3 Month	$1,000
Min Deposit $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Savings Rates

Product	Rate	APY
Platinum Savings	0.995%	1.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Platinum Savings	0.996%	1.00%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
SpencerKids Savings	0.50%	0.50%
Min Balance $1 Details Balance: $1 or more; Customer must be under 18 years of age to qualify Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Statement Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 or more Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Platinum Savings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Statement Savings	0.25%	0.25%
Min Balance $100 Details Balance: $100 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA Savings	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 or more Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Platinum Savings	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Platinum Savings	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
IRA Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0.00 - $99.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Platinum Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
SpencerKids Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $0.99; Customer must be under 18 years of age to qualify Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Statement Savings	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Money Market Rates

Product	Rate	APY
Premium Money Market	2.86%	2.90%
Min Balance $10,000 Details Balance: $10,000 - Greater Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Premium Money Market	0.25%	0.25%
Min Balance $100 Details Balance: $100 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Premium Money Market	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $99.99 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Checking Rates

Product	Rate	APY	View More
Kasasa Cash Checking	3.93%	4.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $25,000; Available to NJ residents and former NJM Bank customers in Bucks County, PA; Nationwide ATM fees up to $25 monthly refunded Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Special Homeowner 10 Year Fixed First Lien	5.75%	-	5.75%	10 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Special Homeowner 15 Year Fixed First Lien	6.00%	-	6.00%	15 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Special Homeowner 20 Year Fixed First Lien	6.00%	-	6.00%	20 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10 Year Fixed Rate	6.00%	0	6.076%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $11.10 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.08% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Special Homeowner 30 Year Fixed First Lien	6.25%	-	6.25%	30 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
15 Year Fixed Rate	6.25%	0	6.306%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $8.57 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.31% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10 Year Fixed Rate	6.25%	0	6.326%
Details Owner Occupied; Loan Amounts: $832,751-$1,000,000; Monthly Payment per $1000 Borrowed: $11.23 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.33% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
20 Year Fixed Rate	6.50%	0	6.547%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $7.46 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.55% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
15 Year Fixed Rate	6.50%	0	6.556%
Details Owner Occupied; Loan Amounts: $832,751-$1,000,000; Monthly Payment per $1000 Borrowed: $8.71 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.56% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10 Year Fixed Rate	6.50%	0	6.574%
Details Owner Occupied; Loan Amounts: $1,000,001-$1,500,000; Monthly Payment per $1000 Borrowed: $11.35 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.57% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10/1/30 Year ARM HomeHelper	6.25%	0	6.662%	30 years
Details Owner Occupied; Loan Amount: Up To 832,750; Apply: Contact Us Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
7/1/30 Year ARM HomeHelper	6.00%	0	6.694%	30 years
Details Owner Occupied; Loan Amount: Up To 832,750; Apply: Contact Us Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/5/30 Year ARM HomeHelper	5.875%	0	6.732%	30 years
Details Owner Occupied; Loan Amount: Up To 832,750; Apply: Contact Us Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.73% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/1/30 Year ARM HomeHelper	5.75%	0	6.756%	30 years
Details Owner Occupied; Loan Amount: Up To $832,750; Apply: Contact Us Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.76% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
20 Year Fixed Rate	6.75%	0	6.797%
Details Owner Occupied; Loan Amounts: $832,751-$1,000,000; Monthly Payment per $1000 Borrowed: $7.60 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
15 Year Fixed Rate	6.75%	0	6.805%
Details Owner Occupied; Loan Amounts: $1,000,001-$1,500,000; Monthly Payment per $1000 Borrowed: $8.85 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.81% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan	6.25%	0	6.822%	30 years
Details Owner Occupied; Loan Amount: Up To $832,750 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10 Year Fixed Rate	6.75%	0	6.825%
Details Owner Occupied; Loan Amounts: $1,500,001-$2,000,000; Monthly Payment per $1000 Borrowed: $11.48 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.83% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan	6.00%	0	6.855%	30 years
Details Owner Occupied; Loan Amount: Up To $832,750 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan	6.625%	0	6.909%	30 years
Details Owner Occupied; Loan Amount: Up To $832,750 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan	6.50%	0	6.951%	30 years
Details Owner Occupied; Loan Amount: Between $832,751-$1,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan	6.25%	0	6.954%	30 years
Details Owner Occupied; Loan Amount: Between $832,751 - $1,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year Fixed Rate	7.00%	0	7.039%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $6.65 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year Fixed Rate	-	-	7.039%	30 years
Details Great Rate!; featured APR on homepage 'Get Today's Rates'; interest rate not shown Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
20 Year Fixed Rate	7.00%	0	7.046%
Details Owner Occupied; Loan Amounts: $1,000,001-$1,500,000; Monthly Payment per $1000 Borrowed: $7.75 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan	6.50%	0	7.052%	30 years
Details Owner Occupied; Loan Amount: Between $1,000,001-$1,500,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
15 Year Fixed Rate	7.00%	0	7.055%
Details Owner Occupied; Loan Amounts: $1,500,001-$2,000,000; Monthly Payment per $1000 Borrowed: $8.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan	6.875%	0	7.075%	30 years
Details Owner Occupied; Loan Amount: Between $832,751-$1,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan	6.75%	0	7.079%	30 years
Details Owner Occupied; Loan Amount: $1,000,001-$1,500,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 10 Year Fixed	7.00%	0	7.103%
Details Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan	6.75%	0	7.154%	30 years
Details Owner Occupied; Loan Amount: Between $1,500,001 - $2,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 10 Year Fixed	7.00%	0	7.157%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.16% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 15 Year Fixed	7.125%	0	7.20%
Details Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan	7.00%	0	7.212%	30 years
Details Owner Occupied; Loan Amount: Between $1,500,001-$2,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 15 Year Fixed	7.125%	0	7.238%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan	7.125%	0	7.242%	30 years
Details Owner Occupied; Loan Amount: Between $1,000,001-$1,500,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year Fixed Rate	7.25%	0	7.289%
Details Owner Occupied; Loan Amounts: $832,751-$1,000,000; Monthly Payment per $1000 Borrowed: $6.82 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
20 Year Fixed Rate	7.25%	0	7.296%
Details Owner Occupied; Loan Amounts: $1,500,001-$2,000,000; Monthly Payment per $1000 Borrowed: $7.90 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 20 Year Fixed	7.25%	0	7.311%
Details Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.31% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 20 Year Fixed	7.25%	0	7.342%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan	7.375%	0	7.413%	30 years
Details Owner Occupied; Loan Amount: Between $1,500,001 - $2,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.41% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 5/1/30 Year ARM	6.125%	0	7.418%
Details Adjustable rate; Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.42% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 30 Year Fixed	7.375%	0	7.423%
Details Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.42% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 5/1/30 Year ARM	6.125%	0	7.441%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 30 Year Fixed	7.375%	0	7.447%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 5/5/30 Year ARM	6.375%	0	7.518%
Details Adjustable rate; Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History 1 change since Oct 31, 2026 · 7.59% → 7.52% ▼ 0.07 pts · high 7.59% / low 7.52% Nov 5, 20267.52%▼ from 7.59% Oct 31, 20267.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year Fixed Rate	7.50%	0	7.539%
Details Owner Occupied; Loan Amounts: $1,000,001-$1,500,000; Monthly Payment per $1000 Borrowed: $6.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 5/5/30 Year ARM	6.375%	0	7.542%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.68% → 7.54% ▼ 0.14 pts · high 7.68% / low 7.54% Nov 5, 20267.54%▼ from 7.68% Oct 20, 20267.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 10/1/30 Year ARM	7.25%	0	7.616%
Details Adjustable rate; Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Investment Property - 7/1/30 Year ARM	7.00%	0	7.625%
Details Adjustable rate; Loan Amounts: Up To $2,000,000 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 7.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 10/1/30 Year ARM	7.25%	0	7.64%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Business Entity - 7/1/30 Year ARM	7.00%	0	7.649%
Details Loan Amounts: Up To $2,000,000; Owner Occupied Up to 3MM, Investment Up To 2MM; Contact Us Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year Fixed Rate	7.75%	0	7.789%
Details Owner Occupied; Loan Amounts: $1,500,001-$2,000,000; Monthly Payment per $1000 Borrowed: $7.16 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Fixed Rate Loan - 5 Year Fixed	-	-	6.25%	5 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 7 Year Fixed	-	-	6.375%	7 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.38% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 10 Year Fixed	-	-	6.50%	10 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 15 Year Fixed	-	-	6.75%	15 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 5 Year Fixed	6.75%	-	6.75%	5 Year
Details Loan Amounts: Up To $1,000,000; Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA; APR=Annual Percentage Rate Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 21, 20266.75%▲ from 6.25% Oct 14, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 7 Year Fixed	6.75%	-	6.75%	7 Year
Details Loan Amounts: Up To $1,000,000; Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA; APR=Annual Percentage Rate Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.38% → 6.75% ▲ 0.38 pts · high 6.75% / low 6.38% Oct 21, 20266.75%▲ from 6.38% Oct 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 10 Year Fixed	6.875%	-	6.875%	10 Year
Details Loan Amounts: Up To $1,000,000; Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA; APR=Annual Percentage Rate Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 21, 20266.88%▲ from 6.50% Oct 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 20 Year Fixed	-	-	6.875%	20 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.88% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 15 Year Fixed	7.125%	-	7.125%	15 Year
Details Loan Amounts: Up To $1,000,000; Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA; APR=Annual Percentage Rate Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.75% → 7.13% ▲ 0.38 pts · high 7.13% / low 6.75% Oct 21, 20267.13%▲ from 6.75% Oct 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Home Equity Fixed Rate Loan - 30 Year Fixed	-	-	7.125%	30 Year
Details Owner Occupied; APR/Rate; Loan amounts up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.13% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Spencer Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
20 Year HomeHelper Fixed Rate	6.25%	0	6.292%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $7.31 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
30 Year HomeHelper Fixed Rate	6.50%	0	6.534%
Details Owner Occupied; Loan Amounts: Up To $832,750; Monthly Payment per $1000 Borrowed: $6.32 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.53% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan	6.75%	0	7.081%	30 years
Details Owner Occupied; Loan Amount: Between $1,500,001 -$2,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan	6.00%	0	6.782%	30 years
Details Owner Occupied; Loan Amount: Up To $832,750 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan	6.25%	0	6.88%	30 years
Details Owner Occupied; Loan Amount: Between $832,751-$1,000,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan	6.50%	0	6.979%	30 years
Details Owner Occupied; Loan Amount: Between $1,000,001-$1,500,000 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Special Homeowner 5 Year Fixed First Lien	5.50%	-	5.50%	5 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Special Homeowner 7 Year Fixed First Lien	5.50%	-	5.50%	7 Year
Details Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
SpencerFlex Line of Credit	8.00%	-	8.00%
Details Loan Amounts: Up To $1,000,000; Apply Now online; Variable rate line of credit; APR=Annual Percentage Rate Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Sep 19, 20268.00%▲ from 7.75% Sep 15, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
SpencerFlex Loan	-	-	7.00%
Details Owner Occupied; Rate Calculation: Prime Rate; Loan Amounts: Up To $1,000,000; Maximum Rate 13.99%; Floor Rate 4.50% Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 12 Month	0.20%	-	0.20%	12 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 13 Month	3.78%	-	3.85%	13 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 18 Month	0.25%	-	0.25%	18 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 19 Month	3.585%	-	3.65%	19 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 24 Month	0.35%	-	0.35%	24 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 30 Month	0.45%	-	0.45%	30 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 36 Month	0.50%	-	0.50%	36 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 48 Month	0.55%	-	0.55%	48 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 6 Month	0.15%	-	0.15%	6 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 60 Month	0.65%	-	0.65%	60 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%
Coverdell - 7 Month	3.75%	-	3.75%	7 Month
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Spencer Savings Bank’s Texas Ratio rose from 2.42% in Q3 2023 to 3.96% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.0B	3.96%	5.0	A+
March 31, 2026	$4.0B	3.63%	5.0	A+
December 31, 2025	$4.0B	4.03%	5.0	A+
September 30, 2025	$4.0B	4.62%	5.0	A+
June 30, 2025	$4.0B	4.64%	5.0	A+
March 31, 2025	$4.1B	3.42%	5.0	A+
December 31, 2024	$4.0B	2.03%	5.0	A+
September 30, 2024	$4.0B	1.57%	5.0	A+
June 30, 2024	$3.9B	1.82%	5.0	A+
March 31, 2024	$3.9B	2.65%	5.0	A+
December 31, 2023	$3.9B	2.37%	5.0	A+
September 30, 2023	$3.9B	2.42%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Spencer Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Spencer Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Spencer Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Spencer Savings Bank

Website https://www.spencersavings.com

Address 611 River Dr, Elmwood Park, NJ 07407 · Bergen

FDIC Certificate # 30076

Regulator FDIC

Established September 19, 1939

FDIC Insurance Date August 9, 1989

Domestic Offices 28

Total Branches 28

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.96%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.6345%

Return on Equity (ROE)

5.4100%

Non-Performing Loans Ratio (NPL)

0.47%

Total Assets

$4,036,255,000

Total Deposits

$3,039,745,000

Equity Capital

$478,526,000

Net Income

$12,795,000

Headquarters

Elmwood Park

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Spencer Savings Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Spencer Savings Bank

Does Spencer Savings Bank offer CDs?

Yes. Spencer Savings Bank current CD rates include its Standard CD - 13-Month at 3.85% APY, its Standard CD - 7-Month at 3.75% APY and its Standard CD - 19-Month at 3.65% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Spencer Savings Bank FDIC insured?

Yes. Spencer Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Spencer Savings Bank?

The highest Spencer Savings Bank CD rate is its IRA 13-Month Certificate at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Spencer Savings Bank offer?

Spencer Savings Bank CD rates are 3.75% APY for a 7 month CD, 0.20% APY for a 12 month CD, 3.85% APY for a 13 month CD, 0.25% APY for an 18 month CD, 3.65% APY for a 19 month CD, 0.35% APY for a 2 year CD, 0.50% APY for a 3 year CD, 0.55% APY for a 4 year CD and 0.65% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Spencer Savings Bank for its full lineup.

What is the highest savings rate at Spencer Savings Bank?

The highest Spencer Savings Bank savings rate is its Platinum Savings at 1.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Spencer Savings Bank?

The highest Spencer Savings Bank money market rate is its Premium Money Market at 2.90% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Spencer Savings Bank?

The highest Spencer Savings Bank checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Spencer Savings Bank?

The lowest Spencer Savings Bank 30 year fixed mortgage rate is its Special Homeowner 30 Year Fixed First Lien at 6.25%, verified by MonitorBankRates as of November 5, 2026. Spencer Savings Bank mortgage rates are 5.75% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.25% for a 15 year mortgage and 6.00% for a 10 year mortgage.

How many branches does Spencer Savings Bank operate?

Spencer Savings Bank currently maintains approximately 28 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Spencer Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Spencer Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Spencer Savings Bank offer online and mobile banking?

Most modern institutions like Spencer Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.spencersavings.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Spencer Savings Bank rates compare?

Spencer Savings Bank's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Spencer Savings Bank's top rates are its IRA 13-Month Certificate at 3.85% APY, its Platinum Savings at 1.00% APY, its Premium Money Market at 2.90% APY, its Kasasa Cash Checking at 4.00% APY and its Special Homeowner 10 Year Fixed First Lien at 5.75%, verified by MonitorBankRates on November 5, 2026.

Current Spencer Savings Bank Rates

12-Month CD0.20%
18-Month CD0.25%
24-Month CD0.35%
36-Month CD0.50%
48-Month CD0.55%
60-Month CD0.65%
Savings1.00%
MMA2.90%

Retrieved from our database of financial products. Rates subject to change.

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Spencer Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Spencer Savings Bank Texas Ratio

Spencer Savings Bank Health Trend

Spencer Savings Bank CD Rates

Spencer Savings Bank Savings Rates

Spencer Savings Bank Money Market Rates

Spencer Savings Bank Checking Rates

Spencer Savings Bank Mortgage Rates

Spencer Savings Bank Home Equity & HELOC

Spencer Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Spencer Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Spencer Savings Bank

Does Spencer Savings Bank offer CDs?

Are CDs from Spencer Savings Bank FDIC insured?

What is the highest CD rate at Spencer Savings Bank?

What CD terms does Spencer Savings Bank offer?

What is the highest savings rate at Spencer Savings Bank?

What is the highest money market rate at Spencer Savings Bank?

What is the highest checking rate at Spencer Savings Bank?

What is the lowest 30 year fixed mortgage rate at Spencer Savings Bank?

How many branches does Spencer Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Spencer Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Spencer Savings Bank rates compare?

Current Spencer Savings Bank Rates

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