About State Savings Bank

Since 1896, State Savings Bank has been caring for the financial needs of our neighbors in northwest Michigan. We are a full-service community bank committed to helping you achieve your financial goals. Because our roots run deep here, we can better serve you—whether you're buying a home, running a business, investing for your future, or just looking for a friendly place to bank. 

State Savings Bank has demonstrated leadership and stability during times of both economic growth and financial uncertainty. We’ve weathered the Great Depression, two World Wars and the horror and upheaval of the 9/11 attacks. Our bank has been witness to the first credit card, the birth of the ATM, the advent of online banking, and the 2008 financial crisis. Through it all, State Savings Bank has stood strong. Today, we remain a well-capitalized and safe, sound financial services provider.

Whether you’re looking to open a personal bank account or take advantage of our online and mobile banking, business loans, or investment and trust services, State Savings Bank is here for you. 
 

Personal Banking in Northern Michigan

At State Savings Bank, community comes first. That means personal service, local decision-making, and a banking relationship you can trust. Explore our free checking, savings, and money market accounts, along with Certificates of Deposit and more, and experience what it means to bank local.
 

Banking For You and Your Business

From business bank accounts and merchant credit card services to commercial loans, State Savings Bank is here to help your northern Michigan business grow and thrive.
Business Banking Services
 

Loan Services

State Savings Bank provides a range of lending services for both you and your business. From mortgage, commercial, and consumer loans to our Homebuyer Privileges Program, our Mortgage and Home Equity Lending Team is here for you.
Our Loan Services
 

Keeping It Local

After first opening our doors in 1896, State Savings Bank now has local banking offices in Beulah, Empire, Frankfort, Gaylord, Suttons Bay, and Traverse City, with loan centers in Big Rapids, Caro, and Houghton Lake – all dedicated to supporting your financial goals.
See Our Locations
 

Customer Care

Our customer service team is here to help. Contact us via phone, online chat or text Monday–Friday between 8:00 a.m. and 5:30 p.m. or Saturday 9:00 a.m. to 12:00 p.m. For in-person support, visit one of our local offices.
Contact Us