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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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Watch Your Savings Bloom

Lock in to some great Certificate of Deposit rates to boost your savings this spring!

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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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Tuesday, October 22

Free Business Lunch-n-Learn: Cybersecurity Training. Contact Nikki at 218-346-5700 to RSVP.

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Thursday, October 31

Trunk or Treat @ UCB Perham: 5:30-7pm Trunk or Treat @ UCB Frazee: 6-7:30pm

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Monday, November 11

Free Veteran's Day lunch for veterans + families at ITOW Museum in Perham sponsored by UCB. 11:30am lunch | 12:00 program

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Friday, November 29

UCB Holiday Parade of Lights at 5:30pm. Sign up your float at

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Friday, December 13

Christmas Open House at UCB locations

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Monday, December 16

Santa Truck at UCB Perham