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Sweet Home.

Dream kitchen. New flooring. Finished basement. Whatever’s on your list, we’ll make it easy to tackle your next project.

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What Brings You Here Today?

Checking Accounts

Choose the perfect account for you, complete with free perks.

Online Banking

Check your balance 24/7, pay bills and more from virtually anywhere.

Home Loans

Buying. Building. Refinancing. Let’s get you home.

Auto Loans

Competitive rates. Local service. We’ll make it quick and easy to get rolling!

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Current Promotions

At Gate City Bank, you'll receive exclusive bank offers and promotions on loans, accounts and gifts! Keep checking back for the latest and greatest deals.

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Business Banking

No one does business quite like you. From business checking to loans to treasury management, welcome to business banking – customized for the way you work.

Financial Education for Every Stage.

Teenage girl driving her first car with her dad after getting an auto loan from Gate City Bank.
Estimated read time: 3 minutes

Buying Your Teen’s First Car: 5 Steps to a Smooth Ride

Buying a car for your newest driver is an exciting time, but it can also come with many questions. Here are five steps to help you and your teen find the perfect ride.

A little boy and his father play at a park in rural Minnesota after visiting their local Gate City Bank
Estimated read time: 4 minutes

Bank Like a Local: The Benefits of Mutual Banking.

Explore the impact of banking mutual with Gate City Bank, where being a mutual bank means we can make a difference with giving back.

Middle-aged man holding his glasses in one hand, admiring his new home being built with a Gate City Bank construction loan in Minnesota
Estimated read time: 4 minutes

Construction Loans: 5 Best Financing Options

From rate locks to lot loans, explore solutions tailored to your needs! Learn more about flexible construction loan options to fit your blueprints and your budget.

a toddler blows bubbles with her parents in the woods of Minnesota while on a road trip adventure in their family car
Estimated read time: 3 minutes

Credit Life and Disability Insurance: How It Works

Credit and life and disability insurance can cover your personal loan payments in the event of illness, disability, an accident or death.