Consumer Loans  
Consumer loans, installment or single payment, for many purposes such as vehicle purchase, consumer goods, home improvement, debt consolidation, medical or tax liabilities, vacation, and much more. 
*Preferred rate on new installment loans when payment is authorized from a checking account at participating banks. 
Residential Real Estate 
Residential real estate mortgages for purchase, construction, or refinance. 
Government Programs 
In addition to the types of loans listed above, we participate in various government programs which make funds available to meet identified credit needs such as: 

  • Minnesota Housing Finance Agency (MHFA) - low interest loans for home improvements, energy efficiency, or accessibility (making your home accessible for a resident with a disability).
  • Federal Housing Administration (FHA) - insured by HUD so the lender can offer low down payment; low closing costs; easy credit qualifying with most of your closing costs and fees included in the loan.
  • VA Guaranteed Home Loan - loans available to eligible veterans for the purchase of a home for their own personal occupancy. The guaranty means the lender is protected against loss if you fail to repay the loan. The guaranty replaces the protection the lender normally receives by requiring a down payment allowing you to obtain favorable financing terms.
    Ready Check Personal Line of Credit  
    Ready Check Personal Line of Credit may be attached to your checking account for overdraft protection, and much more! It is a convenient credit line that allows you to write yourself a loan whenever you need it. 
    Home Equity Lines of Credit  
    Home Equity Line of Credit is a revolving line of credit that gives you the option of drawing on your loan at your convenience for any reason. 

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