Spencer Savings Bank, a local community bank in Garfield NJ, is committed to service excellence for your individual, family, business or public banking needs. Visit our 21 New Jersey locations throughout Bergen, Essex, Passaic, and Union Counties. For over 100 years, Spencer Savings Bank has maintained a distinct image of trust, security, and commitment to our loyal customers. By providing a unique and personal approach to local banking, we are able to service our clientele with an exceptional level of attention rarely seen at larger institutions. We offer a full suite of personal and business banking services throughout New Jersey, including personal loans, home mortgages, business loans, and commercial lines of credit. With our roots as a leading NJ community bank, we are happy to support local businesses and workforce programs in the local areas we serve, in addition to various civic groups, charities, and youth programs.