Bank · FDIC insured
Spencer Savings Bank CD Rates
Spencer Savings Bank’s best CD rate is 3.85% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Spencer Savings Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Spencer Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Spencer Savings Bank
3.85%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $418
Certificate of Deposit (CD)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Spencer Savings Bank CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo0.65%
- QualifiedQualified3.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Spencer Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.85%APY · 12 terms
Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA. Maximum deposit is $500,000. Compounded daily and credited monthly for terms 12 months or greater; simple monthly interest paid for terms less than 12 months. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsSimple monthly interest is paid. Early withdrawal penalty equals one month interest on the amount withdrawn | 0.10% | $2 |
| 6 monthsSimple monthly interest is paid. Early withdrawal penalty equals one month interest on the amount withdrawn | 0.15% | $7 |
| 7 monthsSimple monthly interest is paid. Early withdrawal penalty equals one month interest on the amount withdrawn | 3.75% | $217 |
| 12 monthsCompounded daily and credited monthly. Early withdrawal penalty equals one month interest on the amount withdrawn | 0.20% | $20 |
| 13 monthsCompounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn | 3.85% | $418 |
| 18 monthsCompounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn | 0.25% | $38 |
| 19 monthsCompounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn | 3.65% | $584 |
| 24 monthsCompounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn | 0.35% | $70 |
| 30 monthsCompounded daily and credited monthly. Early withdrawal penalty equals three months interest on the amount withdrawn | 0.45% | $113 |
| 36 monthsCompounded daily and credited monthly. Early withdrawal penalty equals six months interest on the amount withdrawn | 0.50% | $151 |
| 48 monthsCompounded daily and credited monthly. Early withdrawal penalty equals six months interest on the amount withdrawn | 0.55% | $222 |
| 60 monthsCompounded daily and credited monthly. Early withdrawal penalty equals six months interest on the amount withdrawn | 0.65% | $329 |
Special-purpose accounts
Coverdell Education Savings Account CD
Up to 3.85%APY · 11 terms
Compounded daily and credited monthly for terms 12 months or greater; simple interest paid monthly for terms less than 12 months. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSimple interest is paid monthly. Early withdrawal penalty: loss of 30 days interest | 0.15% | $7 |
| 7 monthsSimple interest is paid monthly. Early withdrawal penalty: loss of 30 days interest | 3.75% | $217 |
| 12 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 0.20% | $20 |
| 13 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 3.85% | $418 |
| 18 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 0.25% | $38 |
| 19 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 3.65% | $584 |
| 24 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 0.35% | $70 |
| 30 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 90 days interest | 0.45% | $113 |
| 36 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 6 months interest | 0.50% | $151 |
| 48 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 6 months interest | 0.55% | $222 |
| 60 monthsCompounded daily and credited monthly. Early withdrawal penalty: loss of 6 months interest | 0.65% | $329 |
Sources (1)
- spencersavings.com/personal-ba…ng/todays-personal-rates · captured Oct 4, 2026
IRA Certificate of Deposit
Up to 3.85%APY · 11 terms
Available in Traditional or Roth IRA types. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA. Maximum deposit is $500,000. One term change allowed per year for customers over 59 1/2 years of age without penalty. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: loss of 30 days interest | 0.15% | $7 |
| 7 monthsEarly withdrawal penalty: loss of 30 days interest | 3.75% | $217 |
| 12 monthsEarly withdrawal penalty: loss of 90 days interest | 0.20% | $20 |
| 13 monthsEarly withdrawal penalty: loss of 90 days interest | 3.85% | $418 |
| 18 monthsEarly withdrawal penalty: loss of 90 days interest | 0.25% | $38 |
| 19 monthsEarly withdrawal penalty: loss of 90 days interest | 3.65% | $584 |
| 24 monthsEarly withdrawal penalty: loss of 90 days interest | 0.35% | $70 |
| 30 monthsEarly withdrawal penalty: loss of 90 days interest | 0.45% | $113 |
| 36 monthsEarly withdrawal penalty: loss of 6 months interest | 0.50% | $151 |
| 48 monthsEarly withdrawal penalty: loss of 6 months interest | 0.55% | $222 |
| 60 monthsEarly withdrawal penalty: loss of 6 months interest | 0.65% | $329 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.