Donate to Baskets of Thanks

Drop off canned goods and non-perishable items to our Frankfort or Empire offices by Monday, November 19.

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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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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.
 

Click here for more information

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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Join Our Team!

Do you like helping people? We are hiring a full-time Customer Service Representative. Training provided and excellent benefits.

 

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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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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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Introducing PayPeople

Send money to family and friends anywhere with PayPeople! It’s easy and secure.



 

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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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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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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, and Frankfort, and loan centers in Gaylord and Traverse City. 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.