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
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.
Ruth State Bank's Mortgage Loan Originator is Joseph
Gerard Zinger. His unique identifier is 766461.
Please contact Joe Zinger, President, for further
information or for an interest rate quote at
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
Please call us for further information and our current
annual percentage yields at 989-864-3380.
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.
INFORMATION ABOUT PROCEDURES FOR
OPENING A NEW ACCOUNT
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.
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