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Ruth State Bank is competitive in setting its consumer and commercial loan interest rates. Terms of each individually tailored loan vary from thirty days to five years for fixed interest rates. Longer terms are available at a variable rate of interest.

Discounts to our base loan rates are available to approved borrowers with credit scores of 690 or higher as reported by Trans Union Credit Bureau. An additional interest rate discount of .50% is available to approved borrowers who have their monthly payment directly deducted from their Ruth State Bank checking account.

For further information please call 989-864-3380.

Any requests for error resolution or additional information should be in writing and directed to: Kathi Jahn, Ruth State Bank, 7004 E Atwater Rd, Ruth MI 48470-0008.


Ruth State Bank offers competitive rates for its FDIC insured certificates of deposit. Certificate terms range from thirty days to sixty months. Ruth State Bank can also be the custodian of your Traditional, Roth, or Simple IRA.

A wide array of checking and savings accounts are available.

Please call us for further information and our current annual percentage yields at 989-864-3380.


Other Services

Ruth State Bank is your convenient location for Wire Transfers, Notarizing Documents, Opening a Safe Deposit Box, Automatic Fund Transfers, Direct Deposit & Automatic Payment, and Online Banking.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


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