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We make it happen…for you

A breath of fresh air
in banking.

Northwoods Bank of Minnesota is family owned and operated in Park Rapids since 1919, proudly servicing the north woods and the surrounding areas.

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FDIC insured Family owned since 1919 Park Rapids, MN

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Online banking, mobile banking, and E-statements, all in one place.

FDIC insured
Equal Housing Lender
Bank-grade encryption
Local, always

Products & accounts

Accounts and products that fit your life

From your first checking account to your next home, we have the accounts and the local expertise to make it happen for you.

Featured rate

Mortgage Loans

Competitive rates for your next home, with hometown service from application to closing.

6.549% APR*

on a $250,000 loan

Apply now Learn more
Consumer LoansAuto, personal & home equity, decided locally. Checking AccountsOnline, mobile, and E-statements built in. Business LoansLending built for the north woods.

*Rate shown is an example for illustration only. Contact us for current rates and terms.

Become a customer

Meet with a lender or personal banker

Sit down with one of our lenders or personal bankers and let us make it happen…for you.

Schedule an appointment

Quick banking

Quickly navigate to what you need

Application CenterApply for accounts and loans online in minutes. Order ChecksReorder your checks quickly and securely. Financial CalculatorsPlan payments, savings, and loans with easy tools. ATM LocatorFind the Northwoods Bank ATM nearest you. Schedule an AppointmentBook time with a lender or personal banker. Convenient ServicesHelp with online banking, mobile, E-statements, and bill pay.

Servicing Park Rapids & the surrounding areas

Family owned and operated since 1919

Our team members greet you with a smile and the expertise you are looking for. Four generations on, we are proud to serve the north woods and the families and businesses that call it home.

Read our story

1919

The year we opened our doors in Park Rapids.

"We make it happen…for you."

Still our promise, four generations later.

What customers say

Neighbors, not account numbers

★★★★★
"The team knows us by name and made our home loan simple. It feels like banking used to."
Local homeowner
★★★★★
"Fast, local decisions on our business line of credit. No call centers, just real people who get it."
Main Street business owner
★★★★★
"Online banking is easy and their team is always ready to help. A breath of fresh air, truly."
Longtime customer

Ready for a breath of fresh air?

Open an account online, or schedule time with a banker who will remember your name.

Open an account Schedule an appointment