Superior service, competitive rates, and fast, local decisions — family owned and operated in Park Rapids since 1919.
Secure access to your accounts, anytime.
Superior service, competitive rates, and fast turnaround times. From everyday money management to affordable loans, we pride ourselves on strong, personal relationships with you — our customers. We offer personalized service and helpful education so you feel confident in your personal and business financial decisions.
Buy, build, or refinance with a local lender who knows the Northwoods market. Our mortgage team keeps decisions and servicing right here at home, so you always have a neighbor to call.
Whether it's a new vehicle, a boat for the lake, a home improvement, or an unexpected expense, our consumer lenders make borrowing simple, fair, and fast.
Free, straightforward checking with the digital tools you expect and the personal service you won't find at a big bank. Open in minutes and bank on your terms.
From equipment and real estate to working capital and lines of credit, our business bankers understand the local economy because we're part of it. Decisions are made here, by people you know.
We pride ourselves on strong, personal relationships and decisions made right here in Park Rapids — not at a corporate office hundreds of miles away. That means real answers, faster.
Fair, transparent pricing on loans and deposits — with no big-bank surprises or hidden fees.
Apply in person or online and get a fast turnaround from a banker who knows your name.
Start online in minutes or book an appointment at a branch near you.
Sit down with someone from your community who takes the time to understand your goals.
Local underwriting means fast turnaround — often the very same day.
Enroll in online & mobile banking and enjoy service that feels like home.
Everyday tools and resources, just a click away.
Quickly locate the forms and applications you need to complete your loan.
OpenOut of checks? We've got your back — order a new batch right away.
OrderHelpful calculators designed to inform your next financial decision.
CalculateNeed an ATM? Our locator tool will help you find the one nearest you.
Find oneMeet with one of our personal bankers to make it happen, for you.
Book nowOnline banking, mobile deposit, e-statements, bill pay & more.
ExploreOur team members greet you with a smile and the expertise you're looking for. Meet the whole team
Community oriented, friendly staff. Northwoods Bank has served the area for several generations and I'm eager to give back to the community. I've only had good experiences with the bank and hope to do more business with them in the future.
Since 2000, when Mike Johnson started the business out of his lake home before moving to their current location in Park Rapids (Dorset) in 2004, the mission has been to keep customers on the water! As a local Park Rapids marine dealership, Johnson's strives to provide the best marine service and high-quality products — and to make every customer feel at home when they stop in.
I chose Northwoods Bank because they are a big supporter of small businesses in the area. They are personal and friendly to work with!— Mike Johnson, Johnson's On The Water
Check balances, deposit checks, pay bills, and move money in seconds — with the same friendly support you'd get at the branch, right in your pocket.