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Home Equity Turn your home into a home improvement solution with a home equity loan or line of credit from The State Bank! Your home’s equity can also be used to consolidate debt, pay for college tuition, or even fund a once-in-a-lifetime vacation.

Our Solutions

Whether you're looking for a home equity line of credit (HELOC), or a fixed-rate loan, The State Bank will help you through the decision making process to ensure that using your home’s equity is the right choice for you.

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Home Equity Line of Credit
A variable-rate line of credit that you may draw against - using a check or convenient debit card - providing you access to your equity when you need it. Use some now and save some for later, or use it all! A HELOC offers you great flexibility for home improvements, major purchases, consolidation of debt, college tuition, and more!

  • Approved for a specific amount
  • Used to purchase major items
  • Monthly payments based on balance

Fixed Rate Equity Loans
This loan allows you to borrow a specific amount of money for a specific period of time and pay off the balance with regular monthly payments.  The advantages to this loan are a low fixed rate and a payment that never changes, making budgeting a breeze!

  • Quick, convenient access to funds
  • Competitive rates and flexible terms
  • Affordable monthly payments

For more information about any of the home equity options that The State Bank offers contact us or stop in to one of our local branches for a consultation.

Learn more about all of the great uses for a home equity line of credit.

Smart Decisions


Let The State Bank help you make 'Smart Decisions' with your finances.


Learn More

Download Our Mobile App

  • View account balances
  • View transaction history
  • Transfer funds between accounts
  • Pay your bills

Branch Lobbies Open as Normal

Main | Grand Blanc North | Holly | Linden | Silver Parkway | VGs
Chesaning  | Montrose | New Lothrop | St. Charles | Thomas Township


Branch Lobbies by Appointment Only

Brighton: Call (810) 534-0800, ITM Available
Birch Run: Call (989) 624-6280, Drive Thru Open as Normal


Branch Lobbies Closed

GB South: visit Main,  175 N. Leroy. ITM available.
Burt: visit Birch Run Drive Thru, 8412 Main St. or Chesaning Lobby, 12771 Brady Rd.


ITMs remain open as normal:

M-F 7:00 – 7:00
Sat. 9:00 – 5:00
Sun. 11:00- 3:00