State Savings Bank

State Savings Bank is a full-service community bank dedicated to caring for the financial needs of our neighbors in northwest Michigan.

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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—whether you're buying a home, running a business, investing for your future, or just looking for a friendly place to bank. Today, we remain a well-capitalized and safe, sound financial services provider. 

State Savings Bank
As this region has grown, State Savings Bank has expanded to meet the changing financial needs of northwest Michigan. Since establishing our original location in Frankfort more than a century ago, we now have banking offices in Empire and Frankfort and loan centers in Traverse City and Gaylord. 

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 attention you'd expect from a good neighbor. 

State Savings Bank is proud to have been part of northwest Michigan’s history and we look forward to serving our growing communities and future generations.

Chamber Member

11470 S Leelanau Hwy (M-22)
Empire, MI 49630
GPS: 44.81458, -86.05778
Hours: Monday through Thursday 9am-4pm; Friday 9am-5pm