The State Bank

Spirit Lake • Terril

The State Bank

1902 Hill Ave • Spirit Lake, IA 51360 • 712.336.2455
101 N State Street • Terril, IA 51364 • 712.853.6200


Mortgage Loans

  • Apply for a mortgage anytime and anywhere.
  • Save your application to complete at a later time.
  • Calculators to help you make the best decition.

Apply Now


National Cyber Security Awareness

Elan Credit Cards

Take advantage of instant buying power and convenience at the same time. The State Bank teams up with Elan Financial Services to provide you with numerous options. Whether it is for personal or business use, there is a card tailored for your needs. Elan

Visa® Consumer Credit Cards

  • Visa® Bonus Rewards Card
  • Visa® Bonus Rewards Plus Card
  • Visa® Platinum Card
  • Visa® College Rewards
  • Secured Visa®

Visa® Small Business Cards

  • Visa® Business Bonus Rewards Card
  • Visa® Business Bonus Rewards Plus Card
  • Visa® Business Card

Learn more or Apply Now.

Existing card holder? Access your account online