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Welcome to Sterling State Bank
We've been offering an award-winning blend of financial products and attractive rewards to our customers since 1987.
At Sterling State Bank, our customers are at the heart of everything we do. The products we offer are developed with our customers in mind and our colleagues are empowered and knowledgeable with a focus on delivering on our promises.
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Financial tools for every stage of life
An everyday account with no hidden fees, mobile deposits, and worldwide ATM access.
- No monthly fee with $1,500 minimum balance
- Up to $15/mo ATM fee reimbursements
- Zelle, Bill Pay & mobile check deposit
Earn more on every dollar. Our Premier Savings pays 10× the national average with zero fees.
- No minimum balance required
- FDIC insured up to $250,000
Fixed and adjustable-rate mortgages with dedicated loan officers — decisions in 72 hours.
- Pre-approval in minutes online
- Down payment assistance programs
Bespoke wealth management, estate planning, and investment advisory for $500K+ portfolios.
- Dedicated private banker & advisor
- Customized investment portfolios
- Trust & estate planning services
The right solution for every goal
Whether you're building an emergency fund, financing a new home, planning retirement, or managing business cash flow — Sterling State Bank has a tailored solution and an expert to guide you.
Home Buying Made Simple — from Pre-approval to Keys
Our HomeReach Mortgage program pairs you with a dedicated loan officer who guides you through every step. With competitive rates, streamlined underwriting, and digital document signing, most approvals happen in 72 hours or less.
- ✓Pre-qualify online in under 10 minutes — no hard credit pull
- ✓Fixed and adjustable-rate options from 6.74% APR
- ✓First-time buyer programs with as little as 3% down
- ✓No lender fees for Sterling State Bank checking customers
- ✓Rate lock for up to 90 days at no additional cost
Your security is our highest obligation
Sterling State Bank is regulated by the OCC, insured by the FDIC up to $250,000, and has maintained a Five-Star Superior rating from BauerFinancial for consecutive years. We employ bank-grade 256-bit encryption and 24/7 fraud monitoring across every account.
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Ready to experience banking the way it should be?
Open a free Premier Checking account in under five minutes — no paper, no branch visit required. Join over 340,000 customers who trust Sterling State Bank with what matters most.