Serving Park Rapids, MN and surrounding communities with personal service, competitive rates, and banking that feels like home.
From everyday money management to affordable loans, we offer personalized service and sound financial advice so you feel confident every step of the way.
We offer a full suite of banking products designed to support every stage of your financial life.
Rates as low as 5.750% - finance your dream home right here locally.
Flexible personal loans for auto, home improvement, and more.
Grow your business with tailored financing solutions from local bankers who know your market.
No-fee checking accounts, high-yield savings, CDs, and IRAs.
Bank from anywhere, anytime with our secure online and mobile banking platform.
Apply for loans from the comfort of your home with our easy online application.
Fast approvals and quick turnaround times - we respect your time.
Your accounts and data are protected with industry-leading security.
Getting started with Northwoods Bank is fast and easy. Here's how it works:
Fill out a quick application online or visit us in branch to get started.
Our local team reviews your application quickly and reaches out to verify details.
Funds are released promptly once approved - no long waits or runaround.
Put your money to work and build the future you've been planning for.
We believe banking should strengthen communities. Since 1919, Northwoods Bank has reinvested in Park Rapids and the surrounding areas - supporting local businesses, families, and organizations that make this region thrive.
Friendly, knowledgeable, and always ready to help. Stop in and say hello.
We offer mortgage loans, home equity loans, auto loans, personal loans, agricultural loans, and a full range of commercial business loans. Visit us or call (218) 732-4444 to discuss which option fits your situation.
You can apply online, over the phone, or in person at our Park Rapids branch. Our team will guide you through the process, verify your information, and get back to you promptly with a decision.
Online Banking lets you check balances, transfer funds, pay bills, and manage your accounts 24/7 from any device. You can enroll by visiting our website or stopping into the branch to get set up.
Yes - Northwoods Bank is a member of the FDIC. Your deposits are insured up to $250,000 per depositor, per ownership category.
"Community oriented friendly staff. Northwoods Bank has served the area for several generations and we want to give back to the community. I do all of my banking there to help the local community."
Over 100 years of trusted service in Northern Minnesota.
Reliable, secure processing for every transaction you make.
Our community continues to grow stronger together.
Manage your finances from anywhere - check balances, transfer funds, pay bills, deposit checks, and more, all from your phone or computer.
Financial Tips
Smart financial planning starts with knowing your goals. Here are the top three tips for building a strong financial foundation.
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Mortgages
First-time buyers often make avoidable mistakes. Our loan officers share what to know before you apply for a mortgage.
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Community
From Johnson's On The Water to dozens of local shops, we're proud to back the businesses that make our community great.
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