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

Since first opening our doors more than 115 years ago, we now have loan centers in Traverse City and Gaylord and banking offices in Frankfort and Empire. 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.