A personal loan or line of credit from Minnesota Bank & Trust may be just what you need to consolidate debt, finance a car, start home improvements, or take that once-in-a-lifetime vacation. We can help put your dreams within reach by offering loan terms and interest rates tailored to meet your individual needs.
Home Equity Line of Credit
A Home Equity Line of Credit is a convenient credit tool that allows ready access to the equity in your home. Once you establish your Home Equity Line of Credit, you have credit at your fingertips whenever you need it - no need to reapply each time you borrow against the equity in your home. Use your Home Equity Line of Credit for home improvements - purchase materials as needed throughout the project. With a Home Equity line of Credit, you can also take that big vacation you've always wanted or pay for education costs as they are incurred. The interest rate is variable, so your payment amount could fluctuate from month to month, but might be lower than for other types of revolving credit, such as credit cards. Interest you pay may be fully tax deductible, just ask your tax advisor.
Fixed Rate Home Equity Loan
When a regular monthly payment amount is important to you, a Fixed Rate Home Equity Loan might be the right choice. Your fixed rate and payment amounts stay the same for the life of your loan. Flexible terms are available and there's no pre-payment penalty if you decide to pay off your loan early. Interest you pay may be fully tax deductible, just ask your tax advisor.
Mortgage Loans
A home is often a significant piece of your overall financial picture. Whether considering a primary residence, a vacation home, or refinancing, our lenders work closely with you, one-on-one, to explore the most appropriate financing options and select the terms and features best suited to your needs. We provide direct lending advice, frequently working with your lawyers and accountants to ensure a cohesive solution. Together, we structure innovative mortgage programs and flexible financing options to minimize monthly payments and leverage tax benefits.
- Adjustable rate and fixed-rate options
- Jumbo mortgage financing
- Interest-only loan programs
- Collateralized mortgages
- Bridge financing
- Construction loans
Credit Cards
We make it easy to choose the credit card that is right for you, including Visa Platinum, MasterCard Gold,
Visa Business and the Visa FlexMiles cards that reward you with airline miles, travel destinations,
valuable merchandise and popular gift cards. These cards are accepted worldwide at businesses, financial
institutions, and ATM's.
Here are some of the benefits you can look forward to:
- No annual fee cards available
- Choose either Visa or MasterCard
- Low introductory rate
- Interest-Free grace period
- Rewards Program option for Visa cards
- Auto rental insurance
- 24 Hour toll-free live customer assistance
Information at your fingertips via our easy to access web site at www.cardaccount.net
Member FDIC 
Equal Housing Lender