Personal Banking

Savings

We want to make sure your money is always working FOR YOU! And, you want to be certain that you're making the right decision and earning as much as possible. Our savings accounts are designed to maximize your hard-earned dollars, each and every day.

From general savings and U.S. Savings Bonds to IRA's, Certificates of Deposit and more... we feature a wide range of savings and investment choices. And, we'll help you select the best alternatives to meet your current and future needs.

Whatever your financial goals or lifestyle, we'll help you explore the options-simply and clearly-so that you can begin now to develop a program that's right for you.

Remember, the sooner you begin, the sooner your dollars can go to work and multiply into substantial sums for you.

Savings

Savings accounts require $200.00 minimum deposit to open. If this account falls below the minimum required balance of $25.00 on any day of the statement cycle a $3.00 quarterly maintenance fee is incurred. ATM cards can be attached to the account.

Gold Key Savings

Gold Key Savings accounts require $10,000.00 minimum deposit to open. If this account falls below the minimum required balance of $10,000.00 on any day of the statement cycle a $15.00 monthly maintenance fee is incurred.

Checking

Silver Plus Checking

Silver Plus Checking is an interest bearing account for anyone 55 years and over with no minimum balance required. Free wallet checks and cashiers checks are included. The $200.00 minimum to open this account can be waived with direct deposit.

Simply Checking

Simply checking requires $200.00 minimum deposit to open. If this account falls below the minimum required balance of $200.00 on any day of the statement cycle a $5.00 monthly maintenance fee is incurred. There is no limit to the number of checks, and you are not charged per check on this account.

NOW Checking

NOW Checking requires $500.00 minimum deposit to open. If this account falls below the minimum required balance of $500.00 on any day of the statement cycle a $7.00 monthly maintenance fee is incurred. There is no limit to the number of checks that can be written against this account.

Money Market

Money Market accounts require $1000.00 minimum deposit to open. If this account falls below the minimum required balance of $1,000.00 on any day of the statement cycle a $10.00 monthly maintenance fee is incurred. Transfers are limited to six per month with no more than three by check or draft. Over the counter transactions are unlimited.

Gold Key Checking

Gold Key Checking requires $5,000.00 minimum deposit to open. If this account falls below the minimum required balance of $5,000.00 on any day of the statement cycle a $15.00 monthly maintenance fee is incurred. There is no limit to the number of checks that can be written against this account and account holders will receive one free box of Gold Key checks at opening.

Lending

Personal Loans

Whether your need is for a home improvement loan, personal or higher education loan, you are assured of receiving personal, concerned interest towards your loan request. If you need money, we have it to loan.

We take pride in our Loan Department staff and service we provide. Let's discuss your financial needs as soon as possible. You'll find us friendly and helpful.

We provide the following types of loans:

  • Personal Loans
  • Auto Loans
  • RV Loans
  • Boat Loans

Mortgages

State Bank offers a wide array of mortgages products to meet your needs. From Conventional Mortgage Loans to FHA, VA and WCDA Mortgages Loans for the first time homeowners, we have a solution. We can also help you with homebuyer assistance programs available.

We offer Home Equity Loans for the long needed improvements to your home, dream vacations or even money for your child's education. At State Bank, we stand ready to serve you our customers.

  • Conventional
  • FHA
  • VA
  • WCDA
  • Home Equity Loans
  • Home Equity Lines of Credit

Certificates of Deposit (CDs)

Standard CDs

People today are looking for those "just right" investment opportunities to maximize their hard earned dollars. Many are finding that Certificates of Deposit make an excellent short- or long term choice...for any purpose, from buying a new car to saving for retirement. We think you will, too.

Our Certificates are designed to give you the most competitive rates available .. combined with the safety and security you associate with this popular investment.

For your convenience, we offer many options, including a broad range of maturity dates and a choice of interest-payment dates.

Whatever your investment goals, we have Certificates to match. Our experienced staff will help you select the best alternatives to meet your current and future needs. And remember.. with a Certificate from us, you can relax knowing your deposits and the interest earned are insured by the FDIC.

Investment CDs

Smart retirement planning begins early! That's because living the American dream after retirement takes more than modest means. And, the chances are good that many who are working today won't have enough in government or pension support to carry them through later.

We want to help you plan for those golden years - easily, conveniently, and regularly. We've discovered that those who begin retirement funding early and contribute on a regular basis are in the best position to enjoy many years of worry-free retirement. Savings seems easier too, because early savers can actually put away less each month than those who postpone saving and have to play catch-up.

Our retirement plans offer you a way to set aside a portion of your earnings especially for the future. And, they offer a great opportunity to multiply your assets over the years. We can help you choose the method that best suits your needs as well as your investment style.

Each investment vehicle is intended to help you into the future safely and securely. And, as you plan, don't forget that IRA's are still considered a good tax-deferred option for most people, because you pay no taxes on the income earned until the money is withdrawn - which is usually not until retirement.

However you choose to save money, remember to begin planning as early as possible. And, if you have questions, we're here to help. Please stop in and see us any time.