Join Our Team!

Do you have a "Yes, I can" attitude? We are hiring a full-time Customer Service Representative. Training provided and excellent benefits.


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Home Improvement Time!

A home equity loan from State Savings Bank is a fast and affordable way to tackle your dream project.

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All of Your Accounts in One Place

We have launched a new, powerful integrated personal financial manager in Online Banking.

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Bank With Us in Gaylord!

We've launched full-service banking in Gaylord with personal and business accounts, and mortgage, consumer and commercial loans.


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We’re Open on Front St.!

We now offer full-service banking in downtown Traverse City — including personal and business accounts, and mortgage and consumer loans. And there's lots of free parking in back!

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Good News!

We are excited to announce that State Savings Bank and Central State Bank are combining into 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.

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Bank with us!

Ready to get started? Open your checking or savings account online, over the phone, or stop into one of our offices.




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Living Well in Retirement

Now’s the time to prepare to meet your retirement goals. You deserve it!



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A Proud History

Since 1901, State Savings Bank has been caring for the financial needs of our neighbors in northwest Michigan. Because our roots run deep here, we can better serve you.


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Latest News


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.