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Loans and Credit Cards

Personal Loans

We know dreams need a helping hand sometimes. That's why, no matter what you've got your heart set on, we've got loans that help you reach tomorrow's goals, today.

Let the equity in your home add flexibility to your life. Need money for school, a vacation, or home improvements? Alerus has a home equity option that's right for you.

Whether you're building your own dream home or you're a builder of dreams for your clients, we're your source for construction loans that can help you realize those dreams.

When you're looking for a new or new-to-you car, let Alerus help put you behind the wheel.

With our available loans for boats, Jet Skis, snowmobiles, and more, it's easy to turn almost any Wish List into a Got List.

Ready to make your dreams a reality?

Speak with a representative today to get the financing you need for the things you want.


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Credit Cards

Earn rewards on the purchases you make every day. Alerus credit cards are accepted everywhere Visa® or American Express® are accepted – which is to say, just about everywhere.

Earn 1 reward point for every dollar you spend on eligible net purchases, plus receive automatic bonus points each month. You'll also get $25 cash back with your first purchase.1 These rewards add up fast!

Take Visa® Bonus Rewards to the next level with 1 point for $1 you spend on eligible net purchases, and get even more automatic bonus points each month. And you'll get $50 cash back after your first purchase.1

Earn cash back1 on your everyday purchases: 3% on gas, 2% at supermarkets, and 1% on all other purchases. You’ll also receive $25 cash back after your first purchase.1

With this card, you’ll rack up rewards faster with 3X reward earnings on airline and net purchases, 2X reward earnings on restaurant and hotel net purchases, and 1X reward earnings on all other eligible net purchases. You’ll receive $75 cash back after your first purchase as well,1 all with a low annual fee.

Save on interest and pay down other credit card balances using this card.

Build your credit2 with a card that's great for someone looking to establish a credit history.

Ready to sign up?

Let an Alerus representative help you find a card that's sure to stay at the front of your wallet.


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The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

Subject to credit approval.

1. After your first credit card eligible net purchase (purchases minus credits and returns), you'll earn bonus points which can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

2. Late payments and going over the credit limit may damage your credit history.

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