We’ve been made aware of people receiving fraudulent emails claiming to be from Northwoods Bank from a northwoodsbanksecuriity gmail address.  Please do not respond to these emails.  Northwoods Bank will never ask for personal or account information via email.

Scheduled Online and Mobile Banking Maintenance

We will be updating our Online and Mobile Banking platforms on Saturday, October 12th. As a result, there may be intermittent service interruptions between 12:00 PM and 7:00 PM. We apologize for any inconvenience and appreciate your patience as we work to enhance our services.
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  • A Breath of Fresh Air In Banking

    At Northwoods Bank

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Mortgage Loans

Rates as low as 6.625%

7.184% APR

Based on a $250,000 loan

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Mortgage Loans

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Consumer Loans

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Consumer Loans

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Checking Accounts



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Checking Accounts

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Business Loans



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Business Loans

Northwoods Bank

Accounts and Products That Fit Your Life

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.
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Become a Customer

of Northwoods Bank

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Quick Banking

Quickly Navigate To What You Need

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Quickly locate the forms and applications you need to complete your loan application.
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Out of checks? We’ve got your back! Click here to order a new batch right away!
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Still deciding what you can and can’t afford? Let us help you! Check out our helpful financial calculators, designed to inform your next financial decision.
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Looking for an ATM? No problem, our convenient Northwoods Bank ATM locator tool will help you find the one nearest you.

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Meet with one of our lenders or personal bankers to make it happen...for you!

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Looking for help with online banking, mobile banking, E-statements, Bill payment, or something else? Check out our convenient banking services today, to see if we may have a quick solution to your issue.

Business Of The Month

Heartland Lakes Development Commission / Pine Crest Apartments

Join us in welcoming our Business of the Month, the Heartland Lakes Development Commission/Pine Crest Apartments!

"Northwoods Bank has been a long-time partner in the work being accomplished by our organization and are committed to making the Heartland Lakes region a better place to live, work, and play."


Formed as a partnership between Hubbard County, City of Park Rapids and the local business community the organization seeks to “Inspire and Retain Economic Growth” that will make the Heartland Lakes area an outstanding place to live and work. Our most recent project, Pine Crest Apartments, was developed in response to the overwhelming need for local employers to attract and retain workers. The goal of the project was to create attractive housing options that are affordable to the positions that local employers need to fill. The project is a partnership between Hubbard County, City of Park Rapids, Park Rapids Area Schools and opened August 2024.

HLDC is also currently working to address the shortage of quality affordable childcare in the community by leading an effort called Rural Child Care Innovation Program (RCCIP) that will recognize, celebrate and support current providers and support the creation of additional slots in the community by working to find innovative solutions brought forward by community members.

HLDC also operates “The Hangar”, which is a cooperative workspace that provides a wide array of services for entrepreneurs, small businesses and remote workers. The space has private, semi – private and open workspace, a conference room with video conference capabilities as well as high capacity and large format printing. Daily use passes as well as access packages are available to meet the needs of the users. 


Learn more at
https://heartlandlakesdevelopment.org/ and https://www.pinecrestpr.com/.

Serving Our Community

Northwoods Bank of Minnesota has an interesting history.

Chartered over a century ago in the small town of Dorset MN, the bank successfully navigated through the depths of the depression, the expansion years of the 1980’s and 1990’s, a charter re-location and name change, and most recently, the “great recession”.

Throughout the years, the bank has grown and prospered under the ownership and management of five generations of the Hewitt family. Please take a few minutes to learn about our history, as described in our 100 year anniversary video.

Servicing Park Rapids, MN And The Surrounding Areas

Family owned and operated since 1919

Our team members greet you with a smile and the expertise you are looking for!

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  • qxio-ios-telephone218.732.7221
  • qxif-map-marker-alt1200 First St E
    Park Rapids, MN 56470
    NMLS #416535

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PARK RAPIDS WEATHER