Spencer Savings Bank is a full service, mutually owned and operated, community bank headquartered in Elmwood Park, NJ. For more than 100 years, Spencer has been maintaining its distinct image of trust, security and commitment to our customers. Spencer has grown over the years to now operate twenty-one branch offices throughout New Jersey. With our roots as a community bank, we proudly support local business and workforce initiatives in the market areas that we serve, in addition to numerous civic groups, charitable organizations and youth programs.