At Minnco, we do mortgages differently. While we offer all the conventional home loan options you’d expect, we also provide unique, locally serviced mortgage solutions designed with our members in mind. Whether you're buying your first home, building on vacant land, refinancing, or investing in a seasonal getaway, Minnco has flexible options to fit your needs, with the personal service and in-house expertise you deserve.
Our diverse lineup is designed with real people in mind—not one-size-fits-all borrowers. We’re here to help you find a mortgage that fits your life—and stays with you for the long haul.
Enjoy personalized, in-house loan servicing with competitive fixed rates and flexible terms (10, 15, 20, or 30 years). Great for purchases, refinances, or second homes.
Available for recreational land or a lot for future building. Fixed 15-year term with up to 80% financing. No mortgage insurance required.
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Choose from 5/1, 7/1, or 10/1 adjustable-rate mortgage. Benefit from lower initial rates and in-house underwriting- ideal for buyers planning short-term stays or future refinancing.
15-year fixed refinance option with reduced closing costs compared to traditional loans. Designed for current homeowners looking to simplify or save.
Access funds as needed for home improvements, debt consolidation, or unexpected expenses. Fixed and variable rate options available. See our Home Equity Loan Page for more information.
Down payment as little as 3%, but Minnco will waive Private Mortgage Insurance if borrowers put 5% or more (closing costs capped at $1,000*).
*Does not include prepaids and reserves.
Finance or refinance a seasonal property with flexible terms and no escrow required. Great for cabins without central heating or plumbing. Available only in Minnesota.
For the past 15 years, Minnco has empowered my husband and me to live our best lives! We are big outdoor enthusiasts, and Minnco financed several toys for our outdoor enjoyment (fishing boat, Ice Castle, and multiple ATVs). Thank you for investing in us!Isaiah and Jessicah R -90th Anniversary Testimonial
I love Minnco because of the fast service and friendly faces.Miah G.
It's not a national level chain of branch offices... it's local banking for local people.Paul A.
I love Minnco because everyone is friendly and efficient. You can build a relationship with the staff at Minnco and be welcomed with a friendly face.Laura D.
Local, hometown, friendly bank. Due to the downturn in the economy many years ago, Minnco made it possible for us to get our life back on track financially after a job loss. We wouldn't be where we are today without their help years ago.Anne R.
Scott and ErinWe purchased the Route 66 warranty for our Chevy pick up. It was a great decision because the transmission went out on us 6 months later. The warranty saved us $3,300. The only thing we had to pay was the sales tax of the transmission. They were so wonderful to work with and it was so easy. We strongly recommend investing in the Route 66 warranty!
Minnco was there when we needed money for home improvements. They were also there when we needed a costly water treatment system. The company we purchased the water system from originally financed us through a high-interest rate loan, which we quickly transferred to Minnco at a much lower interest rate. Way to go, Minnco!Tricia K -90th Anniversary Testimonial
Fantastic service & very competitive rates. They are always willing to go above and beyond for members.Samantha S.
I love it when I come through the drive through and they know who I am and call me by name. This is personal service which is missed in the world today. It makes me feel like I am valued by Minnco.Emilie B.
Minnco is a great place to do business and belong to as a member!Kat E.
I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.Cynthia
Love the friendly, knowledgeable staff that will go above and beyond if/when needed. Great service without the corporate feel of the big banks.Sandy S.
I love the people, I love the ease ability of banking, and there is never any hassle when it comes to working with Minnco.Jeff W.
Sharon K -90th Anniversary TestimonialI have been a member of Cambridge Co-op Credit Union/Minnco Credit Union for about 60 years. When I was 18, I bought my first car after getting a loan from Andre. For myself and my five brothers, all we had to do was give him our name and he trusted us and we got the loan, no questions asked. This created trust and respect that has lasted my entire life.
Joanne K -90th Anniversary TestimonialIn 1996, my husband and I were looking to become first-time homeowners. We knew we were going to need a loan, so we decided to look in the community where we hoped to live and raise our family. We approached a few banks and then learned of Minnco. The reception, respect, and support we received at our first appointment secured the deal and we have been members ever since.
I love Minnco because they have always been there to help me with my banking needs. The staff are always super friendly whenever I have any questions.Cheryl W.
Minnco has always been easy to work with for all of my questions and loan needs.Paul S.
Always there right away when I need them!Suzannah M.
For the first time ever, my card was compromised. Soon as I noticed it, I contacted Minnco. They were fast and efficient on taking care of my issue. They immediately put my concerns at ease. My account is back in order and a heavy weight was lifted off my shoulders. I am so grateful to know that my finances are in safe hands!Tara C
Minnco has supported my ability to provide the best care for my horses. They financed a trailer so I could haul them to receive medical care, and they provided financing so we could build stalls. As any horse owner will tell you, horses are the best part of my day, and they keep me sane. Minnco gave me the ability to be a better horse mom.Denise S -90th Anniversary Testimonial
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