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Auto Loans

  • Loans

Cruise toward better auto loan rates! When you buy or refinance a vehicle with us, you’ll enjoy low rates and a simple process. Time to get started with us, and hit the open road!

Exclusively for Central MN

  • Checking and Savings

Hello, Minnesota! See our locations near you, along with special offers for Elk River, Sauk Rapids, St. Cloud and Waite Park.

Debit Cards

  • Checking and Savings

Make everyday purchases easy! Explore all of the benefits waiting for you with Gate City Bank debit cards, such as custom designs, great rewards, easy security controls and more.

Benefit Interest Checking

  • Checking and Savings > Checking

Would you like to earn interest just by having a checking account? Gate City Bank’s Benefit Interest Checking may be the best option for you!

Refer a Friend

  • Checking and Savings

Have you heard about our Tell-A-Friend program? When you spread the word about better banking to friends and family, and when they open a new checking account, we’ll give you both a free gift! Learn more.

7 Phone Security Best Practices to Boost Data Privacy

  • Financial Education > Articles

Don’t let cybercriminals get away with your private information! Protect yourself – and your data – with these seven security best practices for your mobile device.

Debit Card vs. Credit Card: Which Is Best?

  • Financial Education > Articles

Credit card vs. debit card: Which is the safest spend? Learn more about how they compare to make the best spending decisions.

COVID-19 Response

  • Our Community > Community Impact

During difficult times, extending a helping hand to those in need leads to healing. Learn more about how we helped our communities throughout the COVID-19 pandemic.

7 Ways to Use a Home Equity Loan

  • Financial Education > Articles

The floor is yours! From renovations to vacations, see seven reasons to tap into your home’s equity today.

9 Business Banking Basics You Need to Know

  • Financial Education > Articles

No matter what your business specialty is, there are a wide variety of resources and financing options available to help set you up for success. Learn more!