Personal Banking

Consumer Loans

Our consumer loans have flexible terms and competitive interest rates! There are no application fees or pre-payment penalties. For help in determining how much you can afford to borrow or how much you monthly payment would be, click here for a financial calculator.

We can provide you with various types of loans to meet your personal financing needs. Whether you need a loan for a new car, a new boat, home improvements, debt consolidation, or other personal needs, we can help.


Mortgage Loans

We also provide both construction and existing home loans, and they can be obtained at competitive interest rates.

Our mortgage program provides:

Let's discuss your home ownership needs as soon as possible. You'll find us friendly and helpful. Contact us.

Click here for a financial calculator.

Home Equity Loans

A home equity loan allows you to use the equity in your home for just about anything you can think of, like debt consolidation, home improvements, a new car or recreational vehicle, college expenses, wedding expenses, and more with a regular monthly payment.


Use the equity in your home for almost any purpose!!


Home Equity Line of Credit

A line of credit that allows you to use the equity in your home for just about anything you can think of, like a dream vacation, a new pool, camper, snowmobile, car, college expenses, home improvement, and more…with the convenience of flexible payments.

Ready Reserve

A Ready Reserve line of credit provides ready cash when you need it. When you write a check exceeding the balance of your checking account, we will automatically make you a loan from your authorized line of credit. We will deposit the loan amount directly into your checking account in multiples of $100 to bring your account to a positive balance. We will automatically debit your checking account each month to make the minimum payment required. As borrowed funds are repaid each month, they become available to borrow again. It's flexibility also provides automatic overdraft protection.

VISA Credit Card

You can obtain worldwide credit with local servicing. Already have our credit card and want to find out your current balance and most recent transaction? Click on

To report a lost or stolen credit card during regular business hours call: 701-524-1921 or toll free: 888-818-1921

To report a lost or stolen credit card after hours call: 800-423-7503