Still waiting for home equity loan approval?

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


Click to get started

Building, buying or refinancing?


We can make it happenfast.


Apply for a mortgage loan online by clicking here

Stay Safe, Stay Healthy

We care about the health of our customers and team members. In order to help reduce the spread of coronavirus (COVID-19), please do the following when visiting our offices:

•  Wear a face mask or other covering over your nose and mouth. 

•  Maintain a distance of six feet from others.

•  Consider using other options for banking  such as online banking, drive-thru, ATM, night depository or banking by mail.

Mobile Remote Deposit


Deposit a check into your account wherever you are, whenever it’s convenient for you.


Find out more


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 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.