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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.

Apply Now




Sallie Mae Smart Option

Small Business Customers
Visit our Paycheck Protection Program page for more information on the recent changes to the PPP program.

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 Credit Card

Consumer Credit Cards

Choosing the right card is easier than ever. No matter which card you choose, you’ll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus so much more!

Business Credit Cards

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus so much more!

Learn more or Apply Now.

Existing card holder? Access your account online

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Member FDIC Equal Housing Lender