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 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
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 of the fast service and friendly faces.Miah G.
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.
I love Minnco because they know who I am, even through the car window!Melanie G.
It's not a national level chain of branch offices... it's local banking for local people.Paul A.
I enjoy being able to call in when I need something and talk to someone local unlike the big banks. Your customer service is great and that goes a long way!Andrew J.
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.
Always there right away when I need them!Suzannah M.
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.
I have been a member since 1980 - and I wouldn't go to any other bank!!!!Nan L.
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.
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.
Minnco has always been easy to work with for all of my questions and loan needs.Paul S.
Compared to any other bank I have been with or known people to use, Minnco is the best with service, especially when you need help.Katrina A.
I grew up with them as a bank and they taught me about how banking works, and were always friendly, and made me less nervous when it was time to do things myself.Jessica B.
Fantastic service & very competitive rates. They are always willing to go above and beyond for members.Samantha S.
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!
I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.Cynthia
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