Joseph K. Murphy

Spencer Savings Bank is a leading New Jersey-based community bank headquartered in Elmwood Park, N.J. For over 100 years, we have been serving our local communities with integrity and pride. Roots matter, because they mean experience. They mean real insight into what makes our communities strong. Most importantly, strong roots signify our ongoing commitment to being there when you need us most. Our team prides itself on being one of New Jersey's most trusted community banks. We specialize in delivering premier banking products and services for consumers and businesses - and truly meet the full range of individual, business, commercial and municipal banking needs. Our highly experienced commercial lending team provides a unique and personalized approach to banking, servicing its customers with an exceptional level of care that can rarely be found at larger banks. By taking the time to understand your needs, we become partners in your financial success. The bank has been helping to grow people, businesses and communities for decades. We are proud to partner with various local civic groups, charitable organizations and youth educational programs to improve the quality of life in New Jersey communities. We're here when challenges arise. Spencer is the local community bank that people, families, investors, entrepreneurs and business owners all depend upon for strength, stability and service excellence. For more information about Spencer Savings Bank and how we can help service you, please visit our website at www.spencersavings.com or call our Customer Service Center team at 1-800-363-8115. Visit our website to sign up for our personal and business emails with financial tips, event information, bank news, product promotions and more. Member FDIC, Equal Housing Lender