Toddler boy in a winter hat, smiling while being lifted into the air by his dad along the riverbank in Elk River, MN

Swing on Over,
Elk River.

Welcome to local banking that always feels like home! Bank while you shop at our convenient new location in Elk River, MN – right inside Coborn’s.

Exterior view of Gate City Bank, located inside Coborn’s at 19425 Evans Street NW in Elk River, MN

Oh Hello, Neighbor!

Come on over to your friendly neighborhood bank in the heart of Elk River, MN. We’d love to give you a warm welcome!

See Map & Hours
Welcoming entrance of Gate City Bank inside Coborn’s grocery store in Elk River, Minnesota

“After I had my wallet stolen, they went above and beyond – staying an hour after the bank closed to dispute all charges and get me a new card. I will be a lifelong member of this bank.”

– Josh N., Elk River, MN

Young brunette in sunglasses, holding a cup of coffee while leaning up against a historic building in Elk River, MN

Learn how we’re investing in the wonderful community of Elk River.

See News Stories

55330 by the Numbers.

Best Bank in the U.S.
Years Strong
Best-in-State Bank in Minnesota
three Bluetooth speakers, available in your choice of colors: green, white and blue

Free Gift for You!

It’s all yours! For a limited time only, receive this exclusive gift1 when you open a new checking account with Gate City Bank.

Open My Account
Happy young woman looking at CD rate specials on her phone in downtown St. Cloud, Minnesota

CD Special Exclusively for You.

For a limited time, open a 6-month CD at 5.75% APY2 – exclusively for Gate City Bank checking customers in your community. Send us a note, or come on in today!

Contact Us for CD Special
Smiling woman holding a husky outside her lake home in MN, purchased with a Gate City Bank MinnStart home loan

Minnesota Nice
Home Loans.

You betcha! Learn more about our MinnStart Home Loan with little to no down payment – exclusively for Minnesota residents. Certain qualifications apply, so let’s get you in touch with a lender to learn more.

Talk With a Lender

Hometown Banking With Heart.

Giggling girl surrounded by red heart-shaped confetti, celebrating Giving Hearts Day in Fargo, ND

Giving Hearts Day

Since 2014, we’ve been honored to partner with Dakota Medical Foundation – donating countless volunteer hours and dollars to benefit local charities across North Dakota and Minnesota.

eager students in a classroom raise their hands to ask questions about financial literacy

Financial Literacy for Students

Learn more about how we’re bringing practical, hands-on financial learning to local schools in our communities throughout ND and MN.

Military dad hugs children in their new home purchased with a VA loan from Gate City Bank

VA Loans & Military Banking

At Gate City Bank, we’re proud to serve our nation’s finest. Learn about our long history of honoring service members and their loved ones through VA loans, veteran charities and military support.

1 Gate City Bank reserves the right to substitute any gift for one of similar value.

2 Annual percentage yield (APY) effective with a 5.67% interest rate for 6 months. Interest rate and APY are accurate as of December 1, 2023, and are subject to change without notice, at Gate City Bank’s discretion. Minimum balance required to open an account and earn interest and APY is $1,000 for certificates of deposit (CDs). Customers must have a Gate City Bank checking account and reside within a 20-mile radius of Elk River or St. Cloud, MN, to be eligible. An early withdrawal penalty may apply. Limitations on promotional CD rates apply.