Home loans
Buying, building or refinancing. Equal Housing Lender.
Personal banking · Albert Lea, Alden and Emmons
Banking for your household.
Checking, savings, a mortgage, a car. The ordinary business of a life, handled by people who live here too.
You will not be handed to a call center, and you will not be sold something you did not come in for. The person who opens your account is likely to be the person who still has it five years from now.
Every one of them holds a stake in this bank, because the staff have owned it since 2006. That is the whole reason the service is different, and it is the only thing about us worth putting first.
Where your money sits
Accounts.
| Checking | Debit card, online banking and bill pay included. No maze of tiers with invented names. |
|---|---|
| Savings | Somewhere to put money aside, with the interest posted plainly on your statement. |
| VIC Club | Our club for very important citizens, which is what we think you are. |
| Certificates of Deposit | A fixed term at a fixed rate. Current specials are further down this page. |
|---|---|
| IRAs | Retirement savings, set up across a desk by somebody who will still be here next year. |
| ATM and debit cards | Add your card to a digital wallet and pay with your phone. |
|---|---|
| Internet banking | Balances, transfers and statements, on any device. |
| Bill pay | Pay almost any bill without writing a check. |
| E-statements | Statements delivered electronically instead of on paper. |
|---|---|
| Reorder checks | Reorder online, or call the branch and we will do it for you. |
| Lost or stolen card | Call your branch first. They can stop the card while you are on the line. |
Borrowing
A house. A car. A kitchen.
Every loan on this list is decided in one of three buildings in Freeborn County, by people who own the bank making the decision.
Home equity & improvement
Borrowing against a house you already own, for the work it needs.
Auto & personal
Vehicles, and the personal loans that do not fit anywhere else. Rates from 6.25% APR.
Effective 6‑23‑2026
Personal rates.
| Term | Minimum | Yield |
|---|---|---|
| 10 months | $1,000 | 3.61% APY |
| 19 months | $1,000 | 3.71% APY |
| Product | Terms | Rate |
|---|---|---|
| Auto loan | Rates start at | 6.25% APR |
The small print, in normal size
APY means annual percentage yield. APR means annual percentage rate. Yields shown are effective as of 6‑23‑2026 and can change.
A minimum deposit of $1,000 is required to earn the stated yield. The maximum certificate amount is $250,000.
Withdrawing from a certificate before its term ends may bring a penalty, and a penalty would reduce your earnings. Fees could also reduce earnings.
Member FDIC. Equal Housing Lender.
One visit, usually
Come and open one.
Bring identification and something with your address on it. We will do the rest while you sit there, and nobody will hurry you.