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UBM Online Banking
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  • Auto
  • Home Improvement
  • Household
  • Personal
  • Recreational
  • Ready Reserve
We offer a full set of consumer related loan products. Our Personal Banking Department can assist you with your auto purchase, home improvements- such as a new garage, new siding and windows or just needed "updating" - household items, personal loans, recreational vehicles or vacations.  

Ready Reserve - another name for "overdraft protection" is essentially another form of credit. However, its primary purpose is for when your checking account does not have sufficient funds short-term to cover a given transaction.    

Real Estate

  • Agricultural
  • Home Improvement
  • Residential
We offer a full set of real estate related loan products. Let our specialized loan departments assist you with your agricultural, home improvement or residential real estate purchase or refinancing. 


  • Equipment & Machinery
  • Livestock
  • Operating Lines of Credit
  • Real Estate
We offer a full set of ag related loan products and competitive rates. For example, our agricultural loan department...
  • can provide any type of credit whether it's for spring operating, to invest in real estate or purchase a different tractor;
  • is staffed with specialists who have the latest tools to help you manage your business needs such as cash flow projections, year-end analysis, enterprise analysis or your annual operating requirements;
  • is a Farm Service Agency Preferred lender, which means we can expedite the FSA Guarantee Application process;
  • works closely with the Minnesota Rural Finance Authority to utilize state funded programs for loans such as Beginning Farmer Program, Restructure Program, Ag Improvement Program, Livestock Improvement Program,, Ag BMP and Stock Loan Program;
  • is a member of Farmer Mac and the Federal Agricultural Mortgage Corporation, which means we can make real estate loans at fixed interest rates to qualifying applicants.

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Certificates of Deposit

Offering a full spectrum of CD options with GREAT rates.

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Choose Green

Fast and secure access to your account statements! Previous statements available for up to 18 months.