Spencer Savings Bank, Sla: Outwater Ln Branch

34 Outwater Ln
Garfield, NJ 7026

Notable Rates	Vs. Others
Savings 1.50%	4.66% →
1-Year CD 3.75%	4.59% →
2-Year CD 3.35%	4.25% →
5-Year CD 0.50%	4.15% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit Spencer Savings Bank, Sla main page on BestCashCow.

Your Location:
Watertown,New York

Spencer Savings Bank, SLA : Outwater Ln Branch — distance 232.67 mi

Deposit Rates - May 4, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	1.50%	$50,000	$99,999	Learn More Reviews
Premium Money Market Account	3.25%	$10,000	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.15%	$1,000	-	Learn More Reviews
12 Mo CD	3.75%	$1,000	-	Learn More Reviews
13 Month Promotion / Platinum Checking	0.20%	$1,000	-	Learn More Reviews
18 Mo CD	3.35%	$1,000	-	Learn More Reviews
24 Mo CD	3.35%	$1,000	-	Learn More Reviews
30 Mo CD	0.45%	$1,000	-	Learn More Reviews
36 Mo CD	0.50%	$1,000	-	Learn More Reviews
48 Mo CD	0.45%	$1,000	-	Learn More Reviews
60 Mo CD	0.50%	$1,000	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	0.30%	$35,000	-	Learn MoreShow Less

Loan Rates - May 4, 2025

There are currently no loan rates available for Spencer Savings Bank, SLA:Outwater Ln Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New Jersey 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 292473	6.386%	6.250% 0.88 points $4,603 fees	$1,971	Learn More
NMLS ID: 401822	6.655%	6.500% 1.00 points $5,195 fees	$2,023	Learn More
NMLS ID: 3030	7.589%	7.500% 0.88 points $2,800 fees	$2,238	Learn More
NMLS ID: 401822		points fees		Learn More

See More Mortgage Rates →

Featured - New Jersey Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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