Four Gen Z friends walking down the sidewalk in downtown St. Cloud, Minnesota

Greater St. Cloud. 
Greater Together.

City lights. Friendly people. Scenic views. Since 2020, we’ve been proud to call the community of Greater St. Cloud, MN, our home. Come see why we’ve loved every minute!

Oh Hello, Neighbor!

Stop by our convenient locations in St. Cloud, Waite Park and Sauk Rapids. We’d love to give you a warm welcome!

Close-up view of bright pink spring tulips at Munsinger Gardens in St. Cloud, MN

“I love Gate City Bank. They acknowledge you by name right away. Spectacular service, and they truly care!”

– Leah B., Waite Park, MN

Laughing couple strolling down the street on a summer day in Waite Park, MN

Come see how we’re investing in the St. Cloud community.

See News Stories

320 by the Numbers.

Best Bank in the U.S.
Greater St. Cloud Locations
Best-in-State Bank in Minnesota
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% APY1 – exclusively for Gate City Bank checking customers in your community. Send us a note, or come on in today!

Contact Us for CD Special
Example of Sauk Rapids-Rice High School debit card from Gate City Bank

Let's Go, Sauk Rapids!

Cheer on your home team with your debit card! We’ll donate $10 to your favorite local school or university, including Sauk-Rapids Rice High School.

Order My Card
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

Community Partnerships We Love.

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.

Young man escorts a smiling senior couple on a walk on a beautiful autumn day in North Dakota

Preventing Elder Abuse

Learn how we’re offering extra support to our beloved senior citizens, helping to prevent elder abuse in assisted living homes throughout our communities in 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.

laughing newlyweds making house repairs and renovations, thanks to a Gate City Bank home improvement loan

Strong Neighborhoods.
Stronger Communities.

Thinking about making home repairs or improvements? Explore our low-interest loans just for homeowners in your city, designed to help preserve the beauty of older neighborhoods.

Learn More

1 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.