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Lobby Closed
Effective March 19 at 12:00 pm

Because of the seriousness of the Coronavirus (COVID-19) and in an effort to protect the welfare of our employees, customers and our community, Northwoods Bank will be closing our lobby temporarily.

These services will still be available during this time:

Drive-up and Walk-up hours

Main Branch (8:00 am-5:30 pm) Mon – Fri (9:00 am – 12:00 pm) Sat.
Express Branch (7:30 – 3:00 pm) Mon – Fri Closed Saturday
Nevis Branch (10:00 am – 4:30 pm) Mon – Fri (9:00 – 12:00 pm) Sat.
Pine City Branch (8:30 am – 5:00 pm) Mon – Fri (9:00 am – 12:00 pm) Sat

Night Depository available after hours
ATM services available 24 hours a day

Our Online Banking, including Mobile Banking and Mobile Deposit are available 24 hours a day at
With these services you will be able to check the balance on your accounts, transfer money between accounts, utilize our Bill Payment system, and make a Mobile Deposit using our Mobile App.
You can control your debit card using Card Valet available also in our Mobile App. You can also apply for a Mortgage Loan & Consumer Loan from our website.

Loan Services, Personal Bankers, account opening and access to your Safe Deposit Boxes will be available by calling (218) 732-7221 for an appointment.

Our Main Branch Staff will continue to work during our normal business hours of 9am-4pm Monday – Friday, and 9am-12pm on Saturday. Please email us at or call us at (218) 732-7221 with any questions.

Member FDIC


Updates To Northwoods Bank Services Due to COVID-19


serving since 1919

resort loans

sba loan experts

mobile banking

rapid mortgage


Locally Serviced

 Today's Best Rate!


2.849% APR  

rates are based on a loan of $275,000


Paycheck Protection Program


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At Northwoods Bank we specialize in small business lending.  The Business lenders at Northwoods Bank are experienced and capable of handling any of your business borrowing needs. We offer financing for the purchase or construction of all types of commercial real estate property. 

Learn More     How to Apply     Contact our Lending Staff


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Stop by and Talk to Amy about how we can help you get into your Dream Home!

Due to the fact that everyone's mortgage needs are unique, we offer several different types of mortgages with competitive rates and terms that are guaranteed to fulfill virtually every type of home mortgage need.



Business of the Month

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Rescued Treasures, Park Rapids

Located at 809 Park Ave S., Park Rapids, they offer a great variety of home furnishings, home & garden decor, antiques, and collectibles!

"I've had my eye on the building for some time, and it turned out it had everything I needed to start a new business. The community has been very welcoming of me and my new endeavor. The support has been overwhelming!"

Check them out in person or here

Apply to be the next Business of the Month