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.

50
Best Places to Work by Prairie Business
3
Greater St. Cloud Locations
4
Years and Counting in Greater St. Cloud
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 service member in Fargo hugs his two kids, while his wife tries to hold back tears in their home purchased with a VA loan

Military Banking

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