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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.

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serving since 1919

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Locally Serviced

 Today's Best Rate!


2.553 % APR  

rates are based on a loan of $275,000


Business of the Month

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Northwoods Tax Professionals

Northwoods Tax Professionals, Inc. provides personalized tax, accounting, bookkeeping and payroll services year-round to individuals and small businesses either at their office our yours. Dawn and Jill, who purchased the business when Garnet Pederson retired, own several small H&R Block tax offices and provide their clients with more than just tax prep – they’ll help with bookkeeping & payroll and even offer business advice!

They love the small-town atmosphere of Park Rapids, where the people they serve aren’t just clients, but friends and neighbors. They aim to take the stress out of managing bookkeeping and payroll for the many small business owners in the Park Rapids area, so they can focus on what they do best – running their business.

Northwoods Tax Professionals chose to bank with us not just because of our name, but because of the convenience of our three local branches and our Business Account features, like mobile banking. We’re proud to welcome them as our March Business of the Month!

Apply to be the next Business of the Month    


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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.



Customer Testimonials

I have had very positive experiences with Northwoods Bank. It is very nice to be able to “stop in” on a Saturday to open an account for my son without missing school or work. My personal banker was very friendly and informative. I liked how she talked to my son as it is his account, she explained things very clearly. It is also convenient that they have different locations. We have been very happy with Northwoods Bank, keep the “personal touch” it makes a difference!”
Julie L Grossman