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First National Bank of Osakis

PO Box 580
211-213 Central Avenue
Osakis, MN 56360
Ph: 320-859-2101
Fax: 320-859-3680

Lobby Hours:

M-Th 8:30am-3:00pm
Fri 8:30am-5:30pm
Sat 8:30am-Noon

Drive Up Hours:

M-F 8:00am-5:30pm
Sat 8:00am-Noon

Personal Loans

Whether you’re interested in a new car, home improvement loan or a line of credit, The First National bank of Osakis is ready to take action for you. You can apply for a loan online, by phone, or in person.

We can answer your questions and help you find a loan that fits you and your budget, offering flexible terms and competitive interest rates. We’ll return your calls promptly and quickly turn around your loan application.

How to Reach Us

Get information by e-mail or apply for a loan online. Questions? Call us at 320-859-2101 and press option 3 to speak to a representative.

Online Loan forms:

All loans are subject to credit approval, acceptable collateral, and available equity. Loans are available to residents in Minnesota.


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Installment Loans

  • New and used cars, trucks, RVs, boats, snowmobiles, motorcycles
  • Fast, friendly service
  • Competitive rates

Business Loans

  • Lines of Credit
  • Real estate loans
  • Term loans for business equipment


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Home Equity Loans

Use your home’s equity to buy cars, take vacations, finance college, and consolidate other bills.

Home Mortgages

The First National Bank of Osakis has a variety of finance programs
to help you realize your home ownership dreams and goals!


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Buy a Home

Fixed Rate Home Mortgage

  • Long-term fixed rate of interest on your mortgage loan.
  • Most popular type of loan.
  • Allows for precise budgeting.

Adjustable Rate Mortgage (ARM)

  • Interest rate changes periodically, usually in relation to an index
  • Payments may go up or down according to rate changes
  • Generally lower initial interest rates for ARMs than for fixed-rate mortgages, because you are assuming more risk.

First Time Homebuyer Program

  • Reduced interest rates
  • No money down options
  • Eliminate the need to pay private mortgage insurance


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Build A Home

Construction Loans

  • Interest only payments until completion

Construction-to-Perm Loans

  • This program includes lot purchase, construction finance, and perm loan – all in one
  • Eliminates the need for second appraisals and additional closing costs.
  • Interest only payments until completion
Refinance A Home

When to consider…

  • Reduce mortgage payment by lowering the interest rate or extending the repayment period
  • Decrease interest expense over the life of the loan by refinancing to a lower rate or a shorter term
  • Access additional cash for home improvements, education expense, debt reduction or any other needs


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