FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Extended Hours: Only April 23 & 24!
For your convenience, our lobby doors will be open until:  

  • 6:00 p.m.: Alexandria, Bismarck, Dickinson, Elk River, Fargo, Fergus Falls, Grand Forks, Mandan, Minot, Moorhead, Sauk Rapids, Wahpeton, Waite Park, West Fargo, Williston
  • 5:00 p.m.: Carrington, Devils Lake, Hettinger, Jamestown, Mohall, St. Cloud
  • 4:00 p.m.: Park River, Mayville

Stop by, or tell a friend about our $100 offer – only Wednesday and Thursday!

Smiling brunette with long braids, reading the easy steps to consolidate her student loans with Gate City Bank on her phone

Goodbye, Expensive Student Loans. Hello, Future Home!

A happier future is closer than you think! Easily consolidate your student loans, pay them off faster and have more money to afford your dream home or other purchase with our BetterLife™ Student Loan program.

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Student Loan Life Is Better Here.

The first and only program of its kind in the nation, the BetterLife™ Student Loan is the best way to consolidate student loan debt with no fees and fixed interest rates as low as 4.75% APR.1 Plus, a quick and easy process is made even better with convenient digital options. We stay local with you when we lend, and service your loans right within our communities.

Student Loan Savings by the Numbers:

$35M
Total Student Loan Interest Saved
$10,000
Average Amount Saved Per Customer
3,480
Customers Served
Since 2015

Getting Started Is Easy!

Lower monthly student loan payments are closer than you think! To qualify for the BetterLife™ Student Loan program, we'll take these steps together:

  • Plan a meet-up

    Easily make an appointment with one of our experienced lenders and they’ll guide you through the entire process!

  • Let Gate City Bank take you home

    Finance your home sweet home with us. Whether it’s an existing or new home in North Dakota or central Minnesota, we can’t wait to provide you with excellent service and an easy process.

  • Tell us your history

    With at least 12 months of solid credit history and a college degree (Psst: Advanced degrees and trade certificates count, too!), you’re good to go! Let’s get you to the right person to assist you.

Real-Life Impacts of the BetterLife™ Student Loan Program.

“When it was time to buy our new home, the BetterLife™ Student Loan program was a huge help in saving money. Since then, we’ve even added an auto loan and checking account! Our experience with Gate City Bank has been great.”

Amanda S. – Fargo, ND

gate city bank offers loans for any life stage

Loan Solutions for Everyone.

From a classic line of credit to a new car, our lending team is here to provide better loan options, tailored to fit you.

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gate city bank has loans for any part of life

Save for Your Future.

Competitive rates and local servicing make Gate City Bank savings the best options to invest in your future. Or theirs.

Let's Go

1 Rates as low as 4.75% APR (annual percentage rate) for student loans of up to 60 months. Terms and conditions apply. Rates subject to change. Example: A $50,000 student loan at 4.75% interest rate for 60 monthly payments of $937.85 will have a 4.75% APR.

Personal Loans. Personalized Service.

Competitive rates. Local financing. Flexible terms. Whatever you have in mind,
our lenders will be happy to help find the right loan for you!

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