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Personal Banking Solutions:

Checking Accounts

Personal checking account options

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Savings Accounts

Personal savings account options

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CDs / IRAs

FDIC-insured certificates of deposit and IRAs

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Personal Loans

Mortgages, home equity loans, and more

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Telephone Banking

Check balances, transfer funds and more

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Other Solutions

Online banking, personal financial management, and bill pay

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Sterling State Bank Checking Accounts

Checking Accounts

Choose the right checking account for you, from the below options.

Sterling State Bank Savings Accounts

Savings Accounts

The more you save the more you earn. Choose a tiered interest rate savings account that best fits you.

Sterling State Bank Personal Loans

Personal Loans

We provide loans built around your personal needs. With an easy application process and fast approvals, getting a personal loan has never been easier. Get a competitive rate on a Mortgage, Home Equity Line of Credit (HELOC), junior lien, or cash secured loan.

* Your Sterling State Bank CD can be used as collateral for a loan. Enjoy a lower annual percentage rate compared to other unsecured credit products. It is important to remember the amount in your collateral account equal to the full amount of your loan isn’t available for use until the CD secured loan is paid in full.



Sterling State Bank CDs and IRAs

CDs / IRAs

Certificates of Deposit

When you’re looking to save money and want to earn higher interest rates, a Certificate of Deposit may be the perfect fit. Sterling State Bank offers CDs from 3 months to 5 years (or more). If you’d like your money to work a little harder, contact a personal banker today!

  • Traditional CDs: Low minimum deposits to open.
  • Special CDs: Higher minimums at great rates
  • IRA CDs: FDIC insured retirement savings


Sterling State Bank offers IRA CDs or IRA Savings accounts. These IRAs provide saving options that are flexible and offer the safety of FDIC insurance.

IRA Savings Benefits

  • Add money at any time
  • Ideal for IRAs with distribution requirements
  • Automatic transfers
  • Tiered interest rates based on your balance

IRA CD Requirements

  • Low minimum balance to open
  • Higher interest rates
  • Penalties may apply for early withdrawal

Call or visit us today at one of our convenient locations. We will answer all your questions and help you open an account that is perfect for you!

Sterling State Bank Personal Telephone Banking

Telephone Banking

At anytime you can check your account balances, check verifications, transfer funds and more through Sterling State Bank’s telephone banking. Easy and simple to use, just call 1-800-905-5549.


Sterling State Bank Checking Accounts

Other Solutions

Online BankingMy Account

Online Banking offers you 24/7 access to all your accounts! View real time balances, check images, transaction history and more! With Online Banking you can: transfer money, use Bill Pay, manage person-2-person payments (PopMoney), view E-Statements, manage account Alerts, track spending, issue stop payments, and re-order checks. View all of the details here


Complimentary with all Sterling State Bank checking accounts

Debit Cards

  • Accepted everywhere you see the VISA logo.
  • Instant access to your money with cash withdrawals from ATMs
  • Zero liability for lost or stolen debit card

Report a lost or stolen debit card 24-hours per day by calling your local Sterling State Bank or (800) 708-7119.


Account Alerts

Monitor your account balances and transactions with Account Alerts. Offered through your Sterling State Bank online banking, Account Alerts allow you to receive notification via text message or e-mail whenever a transaction processes in your account or your account reaches a specific balance. You choose what transaction amounts and what balances trigger an alert. This service is just one more way Sterling State Bank provides the tools to better manage your finances. Available for all Sterling State Bank deposit accounts.

  • Easily set & manage alerts in online banking
  • Notifications by text or e-mail
  • Alerts for balance amounts or transaction amounts
  • Set alerts online 24 hours per day
  • Available for all Sterling State Bank deposit accounts