First Minnetonka City Bank

Report Debit Card Fraud 24 Hours a Day: (800) 472-3272

Contact Us (952) 935-8663

Mobile App Code: GoMobile0896

Toll Free (888) 935-8191


Loans | Looking for a Loan? Review our loan options

First Minnetonka City Bank offers a variety of installment loans and credit lines-whether you want to buy a new car, consolidate debt or begin a home improvement project.

We make the process easy for you by providing you with a loan calculator you can use to determine your potential payments, based on the amount financed, rate and loan duration.

We also offer an online loan application for your convenience accessible below. Before proceeding, please note that the online loan application uses Adobe Acrobat Reader®.

Follow the instructions at the following link to ensure your browser uses Adobe Acrobat Reader® for the online loan application:

Please complete the online application form accessible below, print it and bring it to your loan officer at the bank or submit the form online using the secure site we will provide by clicking “submit” on the form.

At First Minnetonka City Bank, we know it takes planning to achieve your goals. That's why we offer you a variety of borrowing options to help you get the money you need for all the things you want. No matter which option you choose, you'll find that First Minnetonka City Bank has fast approvals, competitive interest rates, and flexible terms.

Personal Line of Credit*

Different from credit cards and conventional loans, a variable-rate personal line of credit is an unsecured, revolving line of credit. It makes borrowing easy because it puts a ready reserve of cash at your fingertips. You may use your line of credit however you need, whenever you want - a little at a time, or in one large amount to cover a major purchase or expense. Your available credit will be reduced by the amount you spend. As you repay it, your available credit will increase again.

  • Unsecured -- no collateral required
  • Use as much or as little of your line as you wish
  • Interest is charged only on the amount of your line in use. As you repay your balance, the amount becomes available to use again.

Personal Loan*

A First Minnetonka City Bank fixed-rate personal loan is a good way to finance a specific purchase - for example, a car, boat, recreational vehicles or a home improvement project. In fact, you may use the funds from your personal loan for virtually anything, even to consolidate and pay off your high-interest credit cards.

  • Secured or Unsecured
  • Interest rate and monthly payment are fixed for the full term of the loan - great for budgeting

Contact us today to learn more.

*Subject to credit approval

Fixed Rate Loan*

Whether you are buying your first home, second home, or building the home of your dreams, First Minnetonka City Bank has a loan program to fit your needs.

With a fixed rate loan, you'll never need to worry about your interest rate changing and raising your mortgage payment. That helps you stay on budget. Whether you're looking for an existing or new home, First Minnetonka City Bank has a wide range of mortgage financing options for you.

We can provide a no-obligation, no-cost consultation to help you determine the type of mortgage that is best for you. We'll pre-approve you for your loan so you can move quickly when the perfect property becomes available.


We offer a range of mortgage terms up to 30 years to best suit your credit needs. Contact Us to learn more.

*Subject to credit approval

Building a new home may be one of the largest projects you undertake. First Minnetonka City Bank offers a smooth transition from construction to permanent home financing*, saving you both time and money.


  • Available for owner-occupied primary residences and qualified second homes
  • Construction to permanent program available
  • Lot loan financing also available

Contact us today to learn more.

*Subject to credit approval

Refinancing your mortgage can lower your payments, help you consolidate debt, pay for an education and more. Let us help you find the right refinancing option* for you.

Benefits of Refinancing

  • Reduce the total amount of interest you pay over the life of your loan
  • Reduce the amount of your monthly payment
  • Pay off your loan faster by reducing the term of your loan
  • Use the equity in your home to get cash out

Contact us today to learn more about what refinance options would best fit your needs.

*Subject to credit approval

Your home is one of your most valuable assets. If you have lived in your home several years, paid a large down payment, or increased your home's value, chances are you have lendable equity in your home. You can use the equity for home improvement projects, education, debt consolidation, and more!

Our mortgage experts help you choose the best option for your situation.

Home Equity Loan*

Review the benefits of a home equity loan.

  • Get all your cash up front
  • Enjoy a fixed interest rate for the life of the loan
  • Fixed monthly payments
  • Save money with a lower interest rate than most other loans and credit cards
  • Enjoy tax benefits – possibly deduct up to 100% of the interest off your taxes**

Home Equity Line of Credit*

Get all the benefits of a home equity loan with the convenience and flexibility of a line of credit.

  • Save money with a lower interest rate than most other loans and credit cards
  • Enjoy tax benefits – possibly deduct up to 100% of the interest off your taxes**
  • Draw from your home equity line of credit any time you need it
  • Pay for home improvements, debt consolidation or any large purchases and repay on flexible terms
  • Interest only payment monthly when borrowing

Contact us today to learn more.

*Subject to credit approval

**Please consult your tax advisor regarding deductibility of interest.

Our experienced lenders provide straight answers and fast decisions on flexible financing customized to your needs. First Minnetonka City Bank has a long history of aviation financing from new purchases to used or a big engine overhaul project. We have several options to choose from.

With our competitive rates and personalized service, you'll be flying in no time!*


Contact us today to learn more about what finance options would best fit your needs.

*Subject to credit approval


Calculators | Try our loan calculator


Learn More | Contact Our Loan Specialists

Glen Lake:

(952) 935-8663

Kevin VonBank
NMLS #552352

Brian Smith
NMLS #552350

Country Village:

(952) 935-5995

Kurt Wilkowske
NMLS #552351

First Minnetonka City Bank

(952) 935-8663

NMLS #454535


Report unauthorized activity

To report unauthorized activity or a lost or stolen Visa Debit Card, call (952) 935-5995 or (952) 935-8663 during our business hours. After hours, call (800) 472-3272.

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The Fair Housing Act prohibits discrimination in housing because of:

Enforce the Fair Housing Act and other civil rights laws to ensure the right of equal housing opportunity and free and fair housing choice without discrimination based on race, color, religion, sex, national origin, disability or family composition.

Major Goals

1. Reduce discrimination in housing by doubling the Title VIII case load by the end of 2000 through aggressive enforcement of civil rights and fair housing laws;

2. Promote geographic mobility for low-income and minority households;

3. Integrate fair housing plans into HUD's Consolidated Plans;

4. Further fair housing in other relevant programs of the Federal government; and

5. Promote substantial equivalency among state, local and community organizations involved in providing housing.