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Your full-service, independent, community bank serving the Minnesota lakes area and beyond!

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Building Your Dreams

Whether it's your first home or your forever home, we will provide flexible financing that works for you throughout your construction process, your mortgage, and beyond.

Home Loans
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Seize the Cold

Make the most of the cold with financing on a new snowmobile, fish house, or other recreational vehicles. With our easy online app you can apply in minutes

Apply Now
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Get Rewarded!

Be entered to win cash prizes each quarter all by using your UCB debit card. The more you swipe, insert, and tap, the more chances you have!

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Why bank with us?

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News & Events

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Friday, December 13

Christmas Open House at UCB locations 9-3 | Join us for cupcakes, cookies, coffee and cider!

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Monday, December 16

Santa Truck at UCB Perham parking lot 6:30-8pm | Come see Santa, Mrs. Claus, the Grinch, and a whole cast of characters on Santa's 18-wheeler!