Home Equity LoansA home equity loan can help finance your home improvement project. Our home equity line of credit can be used for a variety of purposes and can be accessed by simply writing a check.Learn More
Home Equity Line of Credit
Home Equity Lines allow you to tap into your equity when you need it. It is as simple as writing a check. This option is a great way to finance unexpected home repairs, college tuition and more.
Fixed Rate Home Equity Loan
Consider a Home Equity Loan for a one-time expense, such as a kitchen renovation or wedding.
Consumer LoansWe offer competitive rates and a variety of terms to satisfy all your lending requirements, including loans for vehicles and a range of other consumer needs. Unsecured personal loans are also available.Learn More
Unsecured Personal Loans
When you need to borrow money, we can help with competitive rates and flexible terms.
Overdraft Protection/Cash Reserve Line of Credit
Take advantage of the security of SpencerBANK’s overdraft protection options for your checking account to help avoid a bank overdraft and protect your credit.
Let us help you purchase the vehicle of your dreams with easy financing options.
We offer financing for new or used motorcycles, boats, or recreational vehicles. We offer competitive rates and financing to fit your budget.
We offer 0% financing for approved energy efficiency improvements through the Mass Save® HEAT Loan Program.