Lender profile
Spencer Savings Bank
Lender Live rate observations
Spencer Savings Bank at a glance
Spencer Savings Bank is a lender based in New Jersey. LoanMate.ai tracks 15 published loan products from Spencer Savings Bank (45 rate listings), last verified 2026-10-21. Its lowest published rate today is 5.75% on 5/1 ARM. Its 30-year fixed rate of 6.5% is 0.62 points below the national median of 7.12% (across 272 lenders publishing that product). Spencer Savings Bank lends in New Jersey only.
Purchase mortgage (38)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/1ARM | 5.75 | 6.756 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 5.875 | 6.879 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10FP | 6.0 | 6.076 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.0 | 6.694 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/1ARM | 6.0 | 6.855 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 6.0 | 6.928 | 0 | — | 2026-10-21 | Lender source ↗ |
| 20FP | 6.25 | 6.292 | 0 | — | 2026-10-21 | Lender source ↗ |
| 15FP | 6.25 | 6.306 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10FP | 6.25 | 6.326 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 6.25 | 6.662 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.25 | 6.822 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/1ARM | 6.25 | 6.954 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 6.25 | 7.027 | 0 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 6.5 | 6.534 | 0 | — | 2026-10-21 | Lender source ↗ |
| 20FP | 6.5 | 6.547 | 0 | — | 2026-10-21 | Lender source ↗ |
| 15FP | 6.5 | 6.556 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10FP | 6.5 | 6.574 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.5 | 6.951 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/1ARM | 6.5 | 7.052 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 6.5 | 7.126 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 6.625 | 6.909 | 0 | — | 2026-10-21 | Lender source ↗ |
| 20FP | 6.75 | 6.797 | 0 | — | 2026-10-21 | Lender source ↗ |
| 15FP | 6.75 | 6.805 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10FP | 6.75 | 6.825 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 6.75 | 7.079 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/1ARM | 6.75 | 7.154 | 0 | — | 2026-10-21 | Lender source ↗ |
| 5/5ARM | 6.75 | 7.227 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 6.875 | 7.075 | 0 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.0 | 7.039 | 0 | — | 2026-10-21 | Lender source ↗ |
| 20FP | 7.0 | 7.046 | 0 | — | 2026-10-21 | Lender source ↗ |
| 15FP | 7.0 | 7.055 | 0 | — | 2026-10-21 | Lender source ↗ |
| 7/1ARM | 7.0 | 7.212 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 7.125 | 7.242 | 0 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.25 | 7.289 | 0 | — | 2026-10-21 | Lender source ↗ |
| 20FP | 7.25 | 7.296 | 0 | — | 2026-10-21 | Lender source ↗ |
| 10/1ARM | 7.375 | 7.413 | 0 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.5 | 7.539 | 0 | — | 2026-10-21 | Lender source ↗ |
| 30FP | 7.75 | 7.789 | 0 | — | 2026-10-21 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 7.0 | — | — | — | 2026-10-21 | Lender source ↗ |
Home equity loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 6.25 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-7yr | — | 6.375 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-10yr | — | 6.5 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-15yr | — | 6.75 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-20yr | — | 6.875 | — | — | 2026-10-21 | Lender source ↗ |
| FHEL-30yr | — | 7.125 | — | — | 2026-10-21 | Lender source ↗ |
How does Spencer Savings Bank's 30-year fixed rate compare nationally?
- #3 nationally for Fixed home equity · 7yr — 6.375% (of 5 lenders publishing it)
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Best loan rates in New Jersey
Compare with: Affinity Federal Credit Union, ConnectOne Bank, Financial Resources Federal Credit Union, First Financial Federal Credit Union
Common questions
What is the lowest published rate at Spencer Savings Bank?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from Spencer Savings Bank is 5.75% on its 5/1 ARM. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Spencer Savings Bank lend?
Spencer Savings Bank lends in New Jersey only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Spencer Savings Bank's 30-year fixed rate compare nationally?
Spencer Savings Bank publishes 30-year fixed at 6.5%. The national median for that product is 7.12% across 272 lenders in LoanMate.ai's October 21, 2026 dataset, so Spencer Savings Bank is 0.62 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.