150 West State Street. Trenton NJ 08608 -- 609-989-1100 office

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Association Staff

Barbara Berreski, JD, MS

Chief Executive Officer

Director, Government & Legal Affairs



Patricia S. Berry

Chief Operating Officer


Pamela J. Hersh

Communications & Public Affairs


Support Staff

Charlene R. Pipher

Executive Assistant/Web Design


Terry Toth

Part-Time Secretarial Assistant


Contact Info

New Jersey Association of State Colleges and Universities

150 West State Street

Trenton, New Jersey 08608

609-989-1100 office

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Spencer Savings Bank is a full service, mutually owned and operated community bank headquartered in Elmwood Park, New Jersey.  For more than 75 years, Spencer has held a distinct image of trust, security and commitment that sets it apart from other banks in the region.

Originally founded in 1893 as the Saddle River Township Building and Loan Association, Spencer Savings Bank now operates 21 branch offices throughout New Jersey, and employs more than 265 professionals spanning all facets of banking services. Spencer's roots as a community bank are honored and exemplified in the bank's ongoing support of local businesses, workforce initiatives, charitable organizations and youth programs in the market areas it serves.

Spencer's products and services include:


  • Spencer Checking Accounts
  • Passbook & Statement Savings
  • Certificates of Deposit
  • Money Market Accounts
  • BusinessEdge® Banking
  • Commercial Banking
  • Spencer Online with Bill Pay Option
  • Mobile Banking with Check Deposit
  • Paperless Monthly eStatements
  • Overdraft Protection Options
  • VISA® Personal & Business Credit Cards
  • Cash Management Services
  • Merchant Services
  • DepositXpress
  • BankingPlus®
  • Safe Deposit Boxes


  • Home Equity Loans & Lines of Credit
  • Mortgage Loan Programs
  • BusinessEdge® Express Loans
  • Commercial Real Estate Loans
  • Commercial Term Loans & Lines of Credit
  • Commercial Mortgages

By providing a personal approach to banking, Spencer is able to achieve a level of service that is rarely found at larger banks.  Likewise, a strong focus on providing value, convenience, and personal attention to each and every customer makes Spencer a key partner in helping local individuals and businesses achieve their financial goals.  The bank also provides valuable employment and internship opportunities to students at NJASCU schools.

To learn more about Spencer Savings Bank and find a branch office near you, visit www.spencersavings.com or call Spencer's Customer Service at 1-800-363-8115.

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