Delivering Financial Services to Communities Across Northern Minnesota


Overdraft Protection-

Because life is busy and you’re not always thinking of your checking account balance we offer overdraft

protection. It's like a safety net that keeps your checking account from being overdrawn by automatically

transferring the funds you need, whenever you need them. 


Home Equity and Home Improvement Loans -

Put the equity in your home to work for you. Home equity financing can help pay for home renovations,

education expenses, a daughter’s wedding, or a new business. 


Residential Construction Loans-

Are you thinking about building your dream home? Talk with us to learn more about your construction

financing options.


Business Loans-

Are you looking to purchase or refinance your commercial building?  Buy equipment, expand your business, or

purchase additional inventory? We have competitive options to fit your needs!   


Real Estate Mortgages-

Whether you are buying a home or refinancing, we have options available for all types of properties and

borrowers!  We offer conventional financing for year-round homes and we also offer a variety of in-house

loans for seasonal cabins, hunting shacks or raw land properties.


Recreational Vehicle Loans-

We offer loans for every type of seasonal fun from boats, campers, and motor homes, to ATVs, snowmobiles,

and jet skis. We provide the affordable financing, you provide the fun!


Auto Loans-

If you are buying a new or used car, truck, SUV, or van, our low rates and flexible terms will help keep your

payments low and affordable. Whether you apply in person or online, you’ll have the key in the ignition

before you know it.


Credit Builder Loans (Signature and Auto are offered)-

Are you starting out or starting over? A Credit Builder Loan is a great way to build or rebuild your credit



Credit Life and Disability Insurance Available-

If something happens to you, your loan obligations could potentially place a burden on your family. To protect

your assets and family’s financial well-being, consider Credit Life and Credit Disability Insurance on your next

loan. Credit Life pays your balance in full if you die, Credit Disability will pay your monthly payment if you

suffer an injury or serious illness which causes you to miss work for more than two weeks.  


Click here to print a PDF Loan Application


Do you have a question??? Email a Loan Officer HERE!

  • Home Loan and Land Loan - Stephanie or Crystal.
  • Construction Loans, Business Loans, and Commercial Loans - Stephanie.
  • Auto Loans, Recreational Loans, Credit Builder Loans, and all other loan inquiries - Shirley or Crystal

Or call 218-666-5940 to speak to one of the loan officers

Office Hours Monday - Thursday 9 a.m. - 5 p.m. Friday 9:00 a.m. - 6:00 p.m. Drive Thru Hours Monday - Thursday 8:30 a.m. - 5:00 p.m. Friday 8:30 a.m. - 6:00 p.m.

North Woods Money Cave Branch Hours  Wednesdays 8:00 a.m.-1:00 p.m. (closed during school breaks)