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 7.19% APR.1

Apply Now

Happy young boy in a fur-lined parka, holding up a fish out on the ice in central Minnesota

Special Offer:
0 Payments for 120 Days.2

Catch the big one with no payments for 120 days! Don’t miss this limited-time offer – exclusively for boat, RV and ice house loans.

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 7.19% 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 New boat, ice house and RV loans available with rates as low as 7.19% APR (annual percentage rate). Other terms and conditions may apply, and rates are subject to change.

2 Offer available on applications received January 26 – April 30, 2024. New boat, ice house and RV purchase loans with no payments for the first 120 days. Interest will accrue during the 120-day period. Other terms and conditions may apply.

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