Gaylord Tornado Relief

We are holding the people of Gaylord in our thoughts as the community recovers from Friday's tornado. If you'd like to help, here are two options:  Otsego Community Foundation and Otsego County United Way.

Our Gaylord office remains open during regular business hours.

It's not about the bank. It's about the people.


Discover "Yes, I can!" Banking

Home Improvement Time!

A home equity loan from State Savings Bank is a fast and affordable way to tackle your dream project. In most cases, we'll process your Home Equity application in 24 hours or less.

Get started

Bank With Us in Suttons Bay!

We've brought full-service community banking back to Suttons Bay with personal and business accounts, and mortgage, consumer and commercial loans. Stop by and see us!


Learn more

Need a Grad Gift Idea?


Our gift cards are exactly what your graduate wants!


Find out more

Questions? We’re here to help!


In addition to calling or visiting your local office, during regular bank hours you can also text (231) 399-4799 or chat with us online by clicking the “Chat” button on the corner of your screen.

Click to contact us

Refinance now before rates go up!

There is still time to get a low rate and local servicing of your mortgage loan.

Click to get started

Still waiting for another bank’s loan approval?

We'll get your home equity loan done fast usually in two weeks or less!


Click to get started

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 125 years ago, we now have banking offices in Beulah, Empire, Frankfort, Gaylord, Suttons Bay and Traverse City and loan centers in Big Rapids, Caro, and 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. That's what makes us the "Yes, I can!" bank.