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Spencer Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Spencer Savings Bank's top rates as of October 7, 2026 are 3.85% APY on its 13-Month Certificate, 1.00% APY on savings, 2.90% APY on money market accounts, and 5.625% on its 5/1/30 Year ARM HomeHelper mortgage, according to rates verified by MonitorBankRates. Other Spencer Savings Bank CD rates include IRA: Traditional & Roth - 13-Month at 3.85%, 7-Month Certificate at 3.75%, and IRA: Traditional & Roth - 7-Month at 3.75%. Other Spencer Savings Bank mortgage rates include 10 Year Fixed First Lien at 5.75%, 10 Year Fixed Rate at 5.875%, and 15 Year Fixed First Lien at 6.00%. MonitorBankRates evaluates the financial stability of Spencer Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.96%. Rates last updated and verified on 10/07/2026.

Spencer Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Spencer Savings Bank? Share your experience about Spencer Savings Bank by leaving a review below, or read customer reviews before you decide to use Spencer Savings Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.96%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Spencer Savings Bank, SLA
611 River Dr
Elmwood Park, NJ 07407
https://www.spencersavings.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Spencer Savings Bank CD Rates

Product Rate APY Term View More
13 Month Certificate 3.78% 3.85% 13 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 13 Month 3.78% 3.85% 13 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7 Month Certificate 3.75% 3.75% 7 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 7 Month 3.75% 3.75% 7 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
19 Month Certificate 3.585% 3.65% 19 Month
Min Deposit $1,000
Details Contact Us
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 19 Month 3.585% 3.65% 19 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
60 Month Certificate 0.65% 0.65% 60 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY
0.15%0.65%1.15%Oct 7, 2026: 0.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 60 Month 0.65% 0.65% 60 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY
0.15%0.65%1.15%Oct 7, 2026: 0.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
48 Month Certificate 0.55% 0.55% 48 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 7, 2026: 0.55% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 48 Month 0.55% 0.55% 48 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 7, 2026: 0.55% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
36 Month Certificate 0.50% 0.50% 36 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 36 Month 0.50% 0.50% 36 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Month Certificate 0.45% 0.45% 30 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY
0.00%0.48%0.95%Oct 7, 2026: 0.45% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 30 Month 0.45% 0.45% 30 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY
0.00%0.48%0.95%Oct 7, 2026: 0.45% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
24 Month Certificate 0.35% 0.35% 24 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 24 Month 0.35% 0.35% 24 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
18 Month Certificate 0.25% 0.25% 18 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 18 Month 0.25% 0.25% 18 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
12 Month Certificate 0.20% 0.20% 12 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 12 Month 0.20% 0.20% 12 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
6 Month Certificate 0.15% 0.15% 6 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
IRA: Traditional & Roth - 6 Month 0.15% 0.15% 6 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
3 Month Certificate 0.10% 0.10% 3 Month
Min Deposit $1,000
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Spencer Savings Bank Savings Rates

Product Rate APY View More
Platinum Savings 0.995% 1.00%
Min Deposit $50,000
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Platinum Savings 0.996% 1.00%
Min Deposit $100,000
Min Balance $100,000
Details Balance: $100,000 or more
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
SpencerKids Savings 0.50% 0.50%
Min Deposit $1
Min Balance $1
Details Balance: $1 or more
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Statement Savings 0.50% 0.50%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000 or more
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Platinum Savings 0.25% 0.25%
Min Deposit $25,000
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Statement Savings 0.25% 0.25%
Min Deposit $100
Min Balance $100
Details Balance: $100 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Platinum Savings 0.10% 0.10%
Min Deposit $5,000
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Traditional IRA Savings 0.10% 0.10%
Min Balance $1,000
Details Balance: $1,000 or more; IRA: Traditional & Roth
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Platinum Savings 0.05% 0.05%
Min Deposit $100
Min Balance $100
Details Balance: $100 - $4,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Traditional IRA Savings 0.05% 0.05%
Min Balance $100
Details Balance: $100 - $999.99; IRA: Traditional & Roth
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Spencer Savings Bank Money Market Rates

Product Rate APY View More
Premium Money Market 2.86% 2.90%
Min Deposit $10,000
Min Balance $10,000
Details Balance: $10,000 - Greater
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 7, 2026: 2.90% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Premium Money Market 0.25% 0.25%
Min Deposit $100
Min Balance $100
Details Balance: $100 - $9,999.99
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Spencer Savings Bank Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed First Lien 5.75% - 5.75% 10 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 15, 2026: 5.75% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed Rate 5.875% 0 5.95% 10 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 5.57% → 5.95% ▲ 0.38 pts · high 5.95% / low 5.57%
5.07%5.76%6.45%Sep 15, 2026: 5.57% APROct 7, 2026: 5.95% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20265.95%▲ from 5.57%
  • Sep 15, 20265.57%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed First Lien 6.00% - 6.00% 15 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 15, 2026: 6.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed First Lien 6.00% - 6.00% 20 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 15, 2026: 6.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Rate 6.125% 0 6.18% 15 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 5.80% → 6.18% ▲ 0.38 pts · high 6.18% / low 5.80%
5.30%5.99%6.68%Sep 15, 2026: 5.80% APROct 7, 2026: 6.18% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.18%▲ from 5.80%
  • Sep 15, 20265.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed Rate 6.125% 0 6.20% 10 Year
Details Loan Amounts: $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 5.82% → 6.20% ▲ 0.38 pts · high 6.20% / low 5.82%
5.32%6.01%6.70%Sep 15, 2026: 5.82% APROct 7, 2026: 6.20% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.20%▲ from 5.82%
  • Sep 15, 20265.82%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed First Lien 6.25% - 6.25% 30 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 15, 2026: 6.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed Rate 6.375% 0 6.421% 20 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.04% → 6.42% ▲ 0.38 pts · high 6.42% / low 6.04%
5.54%6.23%6.92%Sep 15, 2026: 6.04% APROct 7, 2026: 6.42% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.42%▲ from 6.04%
  • Sep 15, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Rate 6.375% 0 6.43% 15 Year
Details Loan Amounts: $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.05% → 6.43% ▲ 0.38 pts · high 6.43% / low 6.05%
5.55%6.24%6.93%Sep 15, 2026: 6.05% APROct 7, 2026: 6.43% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.43%▲ from 6.05%
  • Sep 15, 20266.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed Rate 6.375% 0 6.448% 10 Year
Details Loan Amounts: $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.07% → 6.45% ▲ 0.38 pts · high 6.45% / low 6.07%
5.57%6.26%6.95%Sep 15, 2026: 6.07% APROct 7, 2026: 6.45% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.45%▲ from 6.07%
  • Sep 15, 20266.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed 6.50% - 6.50% 10 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.88% → 6.50% ▼ 0.38 pts · high 6.88% / low 6.50%
6.00%6.69%7.38%Sep 15, 2026: 6.88% APROct 7, 2026: 6.50% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.50%▼ from 6.88%
  • Sep 15, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year ARM HomeHelper 6.125% 0 6.58%
Details Loan Amounts: Up To 832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.50% → 6.58% ▲ 0.08 pts · high 6.58% / low 6.50%
6.00%6.54%7.08%Sep 19, 2026: 6.50% APRSep 27, 2026: 6.54% APROct 1, 2026: 6.58% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.58%▲ from 6.54%
  • Sep 27, 20266.54%▲ from 6.50%
  • Sep 19, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year ARM HomeHelper 5.875% 0 6.631%
Details Loan Amounts: Up To 832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.51% → 6.63% ▲ 0.12 pts · high 6.63% / low 6.51%
6.01%6.57%7.13%Sep 19, 2026: 6.51% APRSep 27, 2026: 6.57% APROct 1, 2026: 6.63% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.63%▲ from 6.57%
  • Sep 27, 20266.57%▲ from 6.51%
  • Sep 19, 20266.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed Rate 6.625% 0 6.671% 20 Year
Details Loan Amounts: $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.29% → 6.67% ▲ 0.38 pts · high 6.67% / low 6.29%
5.79%6.48%7.17%Sep 15, 2026: 6.29% APROct 7, 2026: 6.67% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.67%▲ from 6.29%
  • Sep 15, 20266.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Rate 6.625% 0 6.679% 15 Year
Details Loan Amounts: $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.30% → 6.68% ▲ 0.38 pts · high 6.68% / low 6.30%
5.80%6.49%7.18%Sep 15, 2026: 6.30% APROct 7, 2026: 6.68% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.68%▲ from 6.30%
  • Sep 15, 20266.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed Rate 6.625% 0 6.698% 10 Year
Details Loan Amounts: $1,500,001-$2,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.32% → 6.70% ▲ 0.38 pts · high 6.70% / low 6.32%
5.82%6.51%7.20%Sep 15, 2026: 6.32% APROct 7, 2026: 6.70% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.70%▲ from 6.32%
  • Sep 15, 20266.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year ARM HomeHelper 5.625% 0 6.707%
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.56% → 6.71% ▲ 0.15 pts · high 6.71% / low 6.56%
6.06%6.63%7.21%Sep 19, 2026: 6.56% APRSep 27, 2026: 6.63% APROct 1, 2026: 6.71% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.71%▲ from 6.63%
  • Sep 27, 20266.63%▲ from 6.56%
  • Sep 19, 20266.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed 6.75% - 6.75% 15 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.13% → 6.75% ▼ 0.38 pts · high 7.13% / low 6.75%
6.25%6.94%7.63%Sep 15, 2026: 7.13% APROct 7, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.75%▼ from 7.13%
  • Sep 15, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan 6.125% 0 6.758%
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.64% → 6.76% ▲ 0.12 pts · high 6.76% / low 6.64%
6.14%6.70%7.26%Sep 19, 2026: 6.64% APRSep 27, 2026: 6.70% APROct 1, 2026: 6.76% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.76%▲ from 6.70%
  • Sep 27, 20266.70%▲ from 6.64%
  • Sep 19, 20266.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan 5.875% 0 6.806%
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.66% → 6.81% ▲ 0.15 pts · high 6.81% / low 6.66%
6.16%6.73%7.31%Sep 19, 2026: 6.66% APRSep 27, 2026: 6.73% APROct 1, 2026: 6.81% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.81%▲ from 6.73%
  • Sep 27, 20266.73%▲ from 6.66%
  • Sep 19, 20266.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan 6.50% 0 6.826%
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.74% → 6.83% ▲ 0.08 pts · high 6.83% / low 6.74%
6.24%6.79%7.33%Sep 19, 2026: 6.74% APRSep 27, 2026: 6.79% APROct 1, 2026: 6.83% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.83%▲ from 6.79%
  • Sep 27, 20266.79%▲ from 6.74%
  • Sep 19, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year ARM HomeHelper 5.75% 0 6.829%
Details Loan Amounts: Up To 832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.61% → 6.83% ▲ 0.22 pts · high 6.83% / low 6.61%
6.11%6.72%7.33%Sep 19, 2026: 6.61% APRSep 27, 2026: 6.76% APROct 7, 2026: 6.83% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20266.83%▲ from 6.76%
  • Sep 27, 20266.76%▲ from 6.61%
  • Sep 19, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed 6.875% - 6.875% 10 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.88% APR · checked 8 times
6.38%6.88%7.38%Sep 15, 2026: 6.88% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed 6.875% - 6.875% 20 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 6.88% APR
6.38%6.88%7.38%Oct 7, 2026: 6.88% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed Investment Property 6.875% 0 6.876% 10 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 6.88% APR
6.38%6.88%7.38%Oct 7, 2026: 6.88% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan 6.375% 0 6.886%
Details Loan Amounts: Between $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.77% → 6.89% ▲ 0.12 pts · high 6.89% / low 6.77%
6.27%6.83%7.39%Sep 19, 2026: 6.77% APRSep 27, 2026: 6.83% APROct 1, 2026: 6.89% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.89%▲ from 6.83%
  • Sep 27, 20266.83%▲ from 6.77%
  • Sep 19, 20266.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan 6.125% 0 6.904%
Details Loan Amounts: Between $832,751 - $1,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.76% → 6.90% ▲ 0.15 pts · high 6.90% / low 6.76%
6.26%6.83%7.40%Sep 19, 2026: 6.76% APRSep 27, 2026: 6.83% APROct 1, 2026: 6.90% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.90%▲ from 6.83%
  • Sep 27, 20266.83%▲ from 6.76%
  • Sep 19, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed Rate 6.875% 0 6.913% 30 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.54% → 6.91% ▲ 0.38 pts · high 6.91% / low 6.54%
6.04%6.72%7.41%Sep 15, 2026: 6.54% APROct 7, 2026: 6.91% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.91%▲ from 6.54%
  • Sep 15, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed Rate 6.875% 0 6.92% 20 Year
Details Loan Amounts: $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.54% → 6.92% ▲ 0.38 pts · high 6.92% / low 6.54%
6.04%6.73%7.42%Sep 15, 2026: 6.54% APROct 7, 2026: 6.92% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.92%▲ from 6.54%
  • Sep 15, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Rate 6.875% 0 6.929% 15 Year
Details Loan Amounts: $1,500,001-$2,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.55% → 6.93% ▲ 0.38 pts · high 6.93% / low 6.55%
6.05%6.74%7.43%Sep 15, 2026: 6.55% APROct 7, 2026: 6.93% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.93%▲ from 6.55%
  • Sep 15, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan 6.75% 0 6.991%
Details Loan Amounts: Between $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.91% → 6.99% ▲ 0.08 pts · high 6.99% / low 6.91%
6.41%6.95%7.49%Sep 19, 2026: 6.91% APRSep 27, 2026: 6.95% APROct 1, 2026: 6.99% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20266.99%▲ from 6.95%
  • Sep 27, 20266.95%▲ from 6.91%
  • Sep 19, 20266.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan 6.375% 0 7.002%
Details Loan Amounts: Between $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.86% → 7.00% ▲ 0.15 pts · high 7.00% / low 6.86%
6.36%6.93%7.50%Sep 19, 2026: 6.86% APRSep 27, 2026: 6.93% APROct 1, 2026: 7.00% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.00%▲ from 6.93%
  • Sep 27, 20266.93%▲ from 6.86%
  • Sep 19, 20266.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed Investment Property 7.00% 0 7.008% 15 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.01% APR
6.51%7.01%7.51%Oct 7, 2026: 7.01% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan 6.625% 0 7.014%
Details Loan Amounts: $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.90% → 7.01% ▲ 0.12 pts · high 7.01% / low 6.90%
6.40%6.96%7.51%Sep 19, 2026: 6.90% APRSep 27, 2026: 6.96% APROct 1, 2026: 7.01% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.01%▲ from 6.96%
  • Sep 27, 20266.96%▲ from 6.90%
  • Sep 19, 20266.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10 Year Fixed 6.875% 0 7.073% 10 Year
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.07% APR · checked 2 times
6.57%7.07%7.57%Sep 15, 2026: 7.07% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year Adjustable Rate Loan 6.625% 0 7.103%
Details Loan Amounts: Between $1,500,001 - $2,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.96% → 7.10% ▲ 0.15 pts · high 7.10% / low 6.96%
6.46%7.03%7.60%Sep 19, 2026: 6.96% APRSep 27, 2026: 7.03% APROct 1, 2026: 7.10% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.10%▲ from 7.03%
  • Sep 27, 20267.03%▲ from 6.96%
  • Sep 19, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed 7.125% - 7.125% 15 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.13% APR · checked 8 times
6.63%7.13%7.63%Sep 15, 2026: 7.13% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed 7.125% - 7.125% 30 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.13% APR
6.63%7.13%7.63%Oct 7, 2026: 7.13% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
15 Year Fixed 7.00% 0 7.143% 15 Year
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.14% APR · checked 2 times
6.64%7.14%7.64%Sep 15, 2026: 7.14% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year Adjustable Rate Loan 6.875% 0 7.145%
Details Loan Amounts: Between $1,500,001-$2,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 7.03% → 7.15% ▲ 0.12 pts · high 7.15% / low 7.03%
6.53%7.09%7.65%Sep 19, 2026: 7.03% APRSep 27, 2026: 7.09% APROct 1, 2026: 7.15% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.15%▲ from 7.09%
  • Sep 27, 20267.09%▲ from 7.03%
  • Sep 19, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan 7.00% 0 7.157%
Details Loan Amounts: Between $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 7.08% → 7.16% ▲ 0.08 pts · high 7.16% / low 7.08%
6.58%7.12%7.66%Sep 19, 2026: 7.08% APRSep 27, 2026: 7.12% APROct 1, 2026: 7.16% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.16%▲ from 7.12%
  • Sep 27, 20267.12%▲ from 7.08%
  • Sep 19, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed Rate 7.125% 0 7.163% 30 Year
Details Loan Amounts: $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.79% → 7.16% ▲ 0.38 pts · high 7.16% / low 6.79%
6.29%6.97%7.66%Sep 15, 2026: 6.79% APROct 7, 2026: 7.16% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.16%▲ from 6.79%
  • Sep 15, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed Rate 7.125% 0 7.17% 20 Year
Details Loan Amounts: $1,500,001-$2,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.79% → 7.17% ▲ 0.38 pts · high 7.17% / low 6.79%
6.29%6.98%7.67%Sep 15, 2026: 6.79% APROct 7, 2026: 7.17% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.17%▲ from 6.79%
  • Sep 15, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed Investment Property 7.125% 0 7.185% 20 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.19% APR
6.69%7.19%7.69%Oct 7, 2026: 7.19% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
20 Year Fixed 7.125% 0 7.241% 20 Year
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.24% APR · checked 2 times
6.74%7.24%7.74%Sep 15, 2026: 7.24% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed Investment Property 7.25% 0 7.297% 30 Year
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.30% APR
6.80%7.30%7.80%Oct 7, 2026: 7.30% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed 7.25% 0 7.321% 30 Year
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.94% → 7.32% ▲ 0.38 pts · high 7.32% / low 6.94%
6.44%7.13%7.82%Sep 15, 2026: 6.94% APROct 7, 2026: 7.32% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.32%▲ from 6.94%
  • Sep 15, 20266.94%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year Adjustable Rate Loan 7.25% 0 7.327%
Details Loan Amounts: Between $1,500,001 - $2,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 7.25% → 7.33% ▲ 0.08 pts · high 7.33% / low 7.25%
6.75%7.29%7.83%Sep 19, 2026: 7.25% APRSep 27, 2026: 7.29% APROct 1, 2026: 7.33% APRSep 19, 2026Oct 13, 2026
  • Oct 1, 20267.33%▲ from 7.29%
  • Sep 27, 20267.29%▲ from 7.25%
  • Sep 19, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year ARM Investment Property 6.00% 0 7.368% 5/1/30 Year ARM
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.37% APR
6.87%7.37%7.87%Oct 7, 2026: 7.37% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/1/30 Year ARM 6.00% 0 7.391% 5/1/30 Year ARM
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.39% APR
6.89%7.39%7.89%Oct 7, 2026: 7.39% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed Rate 7.375% 0 7.413% 30 Year
Details Loan Amounts: $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.04% → 7.41% ▲ 0.38 pts · high 7.41% / low 7.04%
6.54%7.22%7.91%Sep 15, 2026: 7.04% APROct 7, 2026: 7.41% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.41%▲ from 7.04%
  • Sep 15, 20267.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year ARM Investment Property 7.125% 0 7.532% 10/1/30 Year ARM
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.53% APR
7.03%7.53%8.03%Oct 7, 2026: 7.53% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
10/1/30 Year ARM 7.125% 0 7.555% 10/1/30 Year ARM
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.56% APR
7.06%7.56%8.06%Oct 7, 2026: 7.56% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year ARM Investment Property 6.875% 0 7.559% 7/1/30 Year ARM
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.56% APR
7.06%7.56%8.06%Oct 7, 2026: 7.56% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7/1/30 Year ARM 6.875% 0 7.583% 7/1/30 Year ARM
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.58% APR
7.08%7.58%8.08%Oct 7, 2026: 7.58% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year ARM Investment Property 6.25% 0 7.61% 5/5/30 Year ARM
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.61% APR
7.11%7.61%8.11%Oct 7, 2026: 7.61% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year ARM 6.25% 0 7.633% 5/5/30 Year ARM
Details Owner Occupied Up to 3MM, Investment Up To 2MM
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.63% APR
7.13%7.63%8.13%Oct 7, 2026: 7.63% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year Fixed Rate 7.625% 0 7.663% 30 Year
Details Loan Amounts: $1,500,001-$2,000,000
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.29% → 7.66% ▲ 0.38 pts · high 7.66% / low 7.29%
6.79%7.47%8.16%Sep 15, 2026: 7.29% APROct 7, 2026: 7.66% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.66%▲ from 7.29%
  • Sep 15, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Spencer Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Fixed Rate Loan 7.00% - 7.00%
Details As of 9/16/2026 the Prime Rate as published in the Wall Street Journal was 7.00% resulting in a rate of 7.00%. There is a Maximum Rate of 13.99% and a Floor Rate of 4.50%. Spencer's Home Equity Line of Credit has a variable rate feature during the 10-year draw period, and, as a result, the APR and the minimum payment can change monthly. Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. Application Fees as follows: Lines up to $150,000: $350 (1 family). Lines above $150,000 up to $249,999: $400 (1 family), $550 (2-4 family), Lines of $250,000 or more: $450 (1 family), $700 (2-4 family). Optional Conversion Fee of $75 ($125 in the first year). Early Termination Fee if line is closed within the first 24 months: $300 (lines up to $100,000) or $500 (lines above $100,000).
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Sep 19, 2026: 7.00% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%

Spencer Savings Bank Other Rates

Product Rate Points APY/APR Term View More
20 Year HomeHelper Fixed Rate 6.125% 0 6.167% 20 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 5.79% → 6.17% ▲ 0.38 pts · high 6.17% / low 5.79%
5.29%5.98%6.67%Sep 15, 2026: 5.79% APROct 7, 2026: 6.17% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.17%▲ from 5.79%
  • Sep 15, 20265.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
30 Year HomeHelper Fixed Rate 6.375% 0 6.408% 30 Year
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.03% → 6.41% ▲ 0.38 pts · high 6.41% / low 6.03%
5.53%6.22%6.91%Sep 15, 2026: 6.03% APROct 7, 2026: 6.41% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.41%▲ from 6.03%
  • Sep 15, 20266.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5 Year Fixed 6.25% - 6.25% 5 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 15, 2026: 6.75% APROct 7, 2026: 6.25% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.25%▼ from 6.75%
  • Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5 Year Fixed 6.75% - 6.75% 5 Year
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 15, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5 Year Fixed First Lien 5.50% - 5.50% 5 Year
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 15, 2026: 5.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan 6.625% 0 7.176%
Details Loan Amounts: Between $1,500,001 -$2,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.96% → 7.18% ▲ 0.22 pts · high 7.18% / low 6.96%
6.46%7.07%7.68%Sep 19, 2026: 6.96% APRSep 27, 2026: 7.10% APROct 7, 2026: 7.18% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.18%▲ from 7.10%
  • Sep 27, 20267.10%▲ from 6.96%
  • Sep 19, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan 5.875% 0 6.879%
Details Loan Amounts: Up To $832,750
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.66% → 6.88% ▲ 0.22 pts · high 6.88% / low 6.66%
6.16%6.77%7.38%Sep 19, 2026: 6.66% APRSep 27, 2026: 6.81% APROct 7, 2026: 6.88% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20266.88%▲ from 6.81%
  • Sep 27, 20266.81%▲ from 6.66%
  • Sep 19, 20266.66%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan 6.125% 0 6.977%
Details Loan Amounts: Between $832,751-$1,000,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.76% → 6.98% ▲ 0.22 pts · high 6.98% / low 6.76%
6.26%6.87%7.48%Sep 19, 2026: 6.76% APRSep 27, 2026: 6.90% APROct 7, 2026: 6.98% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20266.98%▲ from 6.90%
  • Sep 27, 20266.90%▲ from 6.76%
  • Sep 19, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
5/5/30 Year Adjustable Rate Loan 6.375% 0 7.075%
Details Loan Amounts: Between $1,000,001-$1,500,000
Last Updated 10/07/2026
Rate History
2 changes since Sep 19, 2026 · 6.86% → 7.08% ▲ 0.22 pts · high 7.08% / low 6.86%
6.36%6.97%7.58%Sep 19, 2026: 6.86% APRSep 27, 2026: 7.00% APROct 7, 2026: 7.08% APRSep 19, 2026Oct 13, 2026
  • Oct 7, 20267.08%▲ from 7.00%
  • Sep 27, 20267.00%▲ from 6.86%
  • Sep 19, 20266.86%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7 Year Fixed 6.375% - 6.375% 7 Year
Details Owner Occupied
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 6.75% → 6.38% ▼ 0.38 pts · high 6.75% / low 6.38%
5.88%6.56%7.25%Sep 15, 2026: 6.75% APROct 7, 2026: 6.38% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.38%▼ from 6.75%
  • Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7 Year Fixed 6.75% - 6.75% 7 Year
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 15, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
7 Year Fixed First Lien 5.50% - 5.50% 7 Year
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 15, 2026: 5.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Spencer Flex Line of Credit 4.99% - 4.99%
Details Introductory rate and APR of 4.99% are effective for the first 6 months for all qualified applicants drawing a minimum of $25,000 or 10% of their total line (whichever is greater) at closing. Introductory rate will be discontinued for payment default or for balances converted to a fixed rate using the conversion option. After the expiration of the 6-month introductory rate, the variable APR will be based upon the Prime Rate as published in the Wall Street Journal. This promotion is valid on applications submitted by 10/31/2026. Property must be an owner-occupied 1-4 family home in New Jersey or Bucks County, PA. Application Fees as follows: Lines up to $150,000: $350 (1 family). Lines above $150,000 up to $249,999: $400 (1 family), $550 (2-4 family), Lines of $250,000 or more: $450 (1 family), $700 (2-4 family). Optional Conversion Fee of $75 ($125 in the first year). Early Termination Fee if line is closed within the first 24 months: $300 (lines up to $100,000) or $500 (lines above $100,000).
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 19, 2026: 4.99% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
SpencerFlex Line of Credit 8.00% - 8.00%
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 15, 2026: 7.75% APRSep 19, 2026: 8.00% APRSep 15, 2026Oct 13, 2026
  • Sep 19, 20268.00%▲ from 7.75%
  • Sep 15, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
SpencerFlex Loan - - 7.00%
Details Prime Rate
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 7, 2026: 7.00% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
SpencerFlex Promo Loan - - 4.99% 6 Month
Details Guarantee
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 19, 2026: 4.99% APRSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 12 Month 0.20% - 0.20% 12 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 13 Month 3.78% - 3.85% 13 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 18 Month 0.25% - 0.25% 18 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 19 Month 3.585% - 3.65% 19 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 24 Month 0.35% - 0.35% 24 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 30 Month 0.45% - 0.45% 30 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY
0.00%0.48%0.95%Oct 7, 2026: 0.45% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 36 Month 0.50% - 0.50% 36 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 48 Month 0.55% - 0.55% 48 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 7, 2026: 0.55% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 6 Month 0.15% - 0.15% 6 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 60 Month 0.65% - 0.65% 60 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY
0.15%0.65%1.15%Oct 7, 2026: 0.65% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Coverdell 7 Month 3.75% - 3.75% 7 Month
Min Deposit $500
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Cash Checking 3.93% - 4.00%
Min Deposit $0
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $25,000; All balances when qualification requirements are not met.
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Cash Checking 0.30% - 0.30%
Min Deposit $0
Min Balance $25,000
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $25,000.01 or more; All balances when qualification requirements are not met.
Last Updated 10/07/2026
Rate History
1 change since Sep 19, 2026 · 0.05% → 0.30% ▲ 0.25 pts · high 0.30% / low 0.05%
0.00%0.40%0.80%Sep 19, 2026: 0.05% APYOct 7, 2026: 0.30% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20260.30%▲ from 0.05%
  • Sep 19, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Kasasa Cash Checking 0.05% - 0.05%
Min Deposit $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; All balances when qualification requirements are not met.
Last Updated 10/07/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.96%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Spencer Savings Bank’s Texas Ratio rose from 2.42% in Q3 2023 to 3.96% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.6% 2.0★ 3.1% 3.0★ 4.7% 4.0★ 6.3% 5.0★ Healthy zone – entire history below the 15% limit 2.42% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.96% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$4.0B3.96%5.0A+
March 31, 2026$4.0B3.63%5.0A+
December 31, 2025$4.0B4.03%5.0A+
September 30, 2025$4.0B4.62%5.0A+
June 30, 2025$4.0B4.64%5.0A+
March 31, 2025$4.1B3.42%5.0A+
December 31, 2024$4.0B2.03%5.0A+
September 30, 2024$4.0B1.57%5.0A+
June 30, 2024$3.9B1.82%5.0A+
March 31, 2024$3.9B2.65%5.0A+
December 31, 2023$3.9B2.37%5.0A+
September 30, 2023$3.9B2.42%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Spencer Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Spencer Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Spencer Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Spencer Savings Bank
FDIC Certificate # 30076
Address 611 River Dr, Elmwood Park, NJ 07407  ·  Bergen
Website https://www.spencersavings.com
Established 19390919
FDIC Insurance Date 19890809
Domestic Offices 28
Total Branches 28
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.96%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.6345%
Return on Equity (ROE) 5.4100%
Non-Performing Loans (NPL) 0.47%
Total Assets $4,036,255,000
Total Deposits $3,039,745,000
Equity Capital $478,526,000
Net Income $12,795,000
Headquarters Elmwood Park
Total Branches and Offices 28
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Spencer Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/spencer-savings-bank-sla-rates-review-30076">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Spencer Savings Bank

How many branches does Spencer Savings Bank operate?

Spencer Savings Bank currently maintains approximately 28 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Spencer Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Spencer Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Spencer Savings Bank offer online and mobile banking?

Most modern institutions like Spencer Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.spencersavings.com.

Current Spencer Savings Bank Rates

  • 12-Month CD0.20%
  • 18-Month CD0.25%
  • 24-Month CD0.35%
  • 36-Month CD0.50%
  • 48-Month CD0.55%
  • 60-Month CD0.65%
  • Savings1.00%
  • MMA2.90%
Retrieved from our database of financial products. Rates subject to change.

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