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dad in fuzzy bomber hat smiling at his son on a frozen Minnesota lake, excited to talk about ice house loans with Gate City Bank

Ice House Loans for Your True North.

Come in out of the cold with local banking and the easiest ice house loans around! Catch your limit with rates as low as 6.49% APR.1

Apply Now

Let's Tackle It Together.

Whatever lures you to the lake, we’d love to get you closer with:

  • Competitive rates

    Save with rates as low as 6.49% APR1, whether you’re considering a simple fish house or luxury Ice Castle.

  • Local angling

    Our ice house loans are financed and serviced locally here in North Dakota and Minnesota.

  • Free and fast pre-approvals

    Apply online, or drop a line to any lender to start your pre-approval today.

  • Putting your stress on ice

    We’ll meet you where the fish are! With our convenient digital options, you can sign from virtually anywhere.

Apply Online

relaxed gentleman in a baseball cap fishing at sunset after getting a boat loan from Gate City Bank

Catch a Local Lender.

Prefer to trade a few fish stories first? Pick up the phone to tell us about a new boat or ice house that’s catching your eye, or stop by any convenient location. We’d love to help!

Talk With a Lender

Ice House Loan Calculator

Start today by calculating your loan payment. With each monthly payment, you pay down a portion of the loan principal, as well as monthly interest on the outstanding balance. Loan payments are amortized so that the monthly payment remains the same throughout the repayment period, but during that time, the percentage of the amount that goes towards principal will increase as the outstanding loan balance decreases.

1 Rates as low as 6.49% APR (annual percentage rate) for loan terms up to 60 months with an automatic payment plan using a Gate City Bank checking account. Qualifications for advertised APR include a minimum credit score of 760, LTV (loan-to-value) of 80% or less and 60-month loan term. Offer not valid on Gate City Bank lines of credit. Other terms, conditions and current loan qualifications apply. Rates subject to change. Example: A $30,000 boat loan with a 6.31% interest rate for 60 monthly payments of $586.85 will have a 6.49% 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!

Find a Lender