We’ll buy you lunch!

Open a checking account or get a loan at our Traverse City or Gaylord office, and we’ll give you a certificate for lunch at a local restaurant.
 

Learn more

We’ll buy you lunch!

Open a checking account or get a loan at our Traverse City or Gaylord office, and we’ll give you a certificate for lunch at a local restaurant.

 

Learn more

We’re One!

We are excited to announce that State Savings Bank and Central State Bank are now one bank. This is a positive change that you have been asking for — and one that we have been looking forward to for a while.
 

Click here for more information

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State Savings Bank is a full-service community bank dedicated to caring for the financial needs of our neighbors in northwest Michigan. 

After first opening our doors more than 115 years ago, we now have banking offices in Benzonia, Beulah, Empire, Frankfort, Gaylord, and Traverse City and a loan center in Houghton Lake. State Savings Bank offers checking and savings accounts, CDs, IRAs; mortgage, home equity, consumer, and commercial loans; and business cash management including ACH and remote deposit. 

Our employees live, work and volunteer in our communities, so when you bank with us, you're being taken care of by someone who knows you. You'll always receive individual attention—the kind of personal service you'd expect from a good neighbor.