Mortgage Loans
Rates as low as 5.750% · 6.29% APRLocal lending decisions and guidance to get you into the right home.
Learn moreSuperior service, competitive rates, and fast turnaround times from a community bank that has called Park Rapids home since 1919.
Secure access to your accounts, anytime.
From everyday money management to affordable loans, we pride ourselves on strong, personal relationships with our customers. We offer personalized service and helpful education so you feel confident in every financial decision.
Competitive rates and personal guidance across every product — for your home, your family, and your business.
Local lending decisions and guidance to get you into the right home.
Learn moreFree, flexible checking with mobile banking, debit cards, and no surprises.
Learn moreVehicles, recreation, or that next project — financing made simple.
Learn moreWe invest in Park Rapids businesses with lending that helps you grow.
Learn moreCheck balances, deposit checks, pay bills, and move money on your schedule — with the same trusted service you get in our lobby.
Family owned and operated since 1919, our team members greet you with a smile and the expertise you're looking for. When you bank local, your money stays local — supporting the neighbors and businesses that make Northern Minnesota home.
Everyday tools, right where you'd expect them.
Helpful calculators designed to inform your next financial decision.
Run the numbers →Mobile banking, eStatements, bill pay and more — handled in one place.
See services →Since 2008, when Mike Johnson started the business out of his lake home, Johnson's On The Water has been keeping customers on the water. As a local Park Rapids marine dealership, they pair the best marine service with high-quality products — and make folks feel at home when they stop in.
"I chose Northwoods Bank because they're a big supporter of small businesses in the area. They're personal and friendly to work with." — Mike Johnson, Johnson's On The WaterNominate your business
Stop in, give us a call, or book a time that works for you. Our team is happy to help you find the right fit.
Tell us a little about you and we'll be in touch.