State Bank of Park Rapids continues to service existing Bank Visa and Mastercard credit cards, however, due to a system conversion, at this time we are no longer issuing new credit cards.

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By mid October we will have converted to a new system and will once again offer new credit cards.  In the meantime, if you're interested in obtaining a State Bank of Park Rapids credit card, please talk with Jim Heeren, Consumer Loan Officer.  Note that the terms on the new cards may not be identical to those listed below.

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Existing State Bank of Park Rapids credit cards:

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      -  No annual fee!

      - 10.24% annual percentage rate *
                variable rate: 6.99% over Wall Street

                Journal Money Rates section Prime Rate, 

                adjusted quarterly

       - 25-day grace period on purchases