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About Us

Trusted Advisors

American Federal is a financially-strong, long-established, employee-owned community bank serving agriculture, businesses and individuals in the Red River Valley of North Dakota and northwestern Minnesota for more than a century.

American Federal Ag, Business and Personal Bankers are trusted advisors to their clients, helping them plan their financial future by identifying opportunities and finding the best solutions to help them reach their goals.

Much like the relationship of personal trust developed over a period of time with a family attorney, doctor or CPA, our bankers take a consultative approach with their clients, helping them determine and prioritize their goals and how to best achieve them. We build trust through our advice and action.

Knowledgeable, Experienced

American Federal Bankers develop long-term, personal relationships with clients, built on a deep understanding of the client and a comprehensive knowledge of the client’s business and industry which allows them to develop and implement tailor-made solutions.

Our bankers have expertise in agricultural, business and personal banking, insurance and investments. They have extensive technical knowledge, business know-how and a broad understanding of a wide range of financial products and services.

Clients see American Federal as their primary bank because they value the trusted advice, long-standing relationship and business expertise and capability of their American Federal Banker.

Client-Focused, Goal-Based

American Federal Bankers are client focused and driven to understand their clients’ goals. They contribute value by proactively generating ideas, stimulating their clients’ thinking and simplifying what may seem complex. They know best practices and current market trends and what others are doing. They help clients sort through options, see the pros and cons and provide prospective on potential problems or issues. They develop alternative approaches the client can use to reach their goals.

Clients seek out their American Federal Banker for advice, knowledge and opinions. They have confidence in their recommendations and value the relationship and understanding that is brought to the table.

The American Federal Banker is often the first person our clients call in times of significant challenge or decisions, and with good news, too.


American Federal is a long-established, successful business. Our roots run deep in the Red River Valley of North Dakota and the Lakes Region of northwestern Minnesota.

Founded in 1891 in East Grand Forks, Minnesota, we are the oldest-continuing business in East Grand Forks and are long-established in the other communities we serve. Today, our one-stop banking locations extend from northwestern Minnesota to southern North Dakota, up and down the Red River Valley and into the Lakes area.

Our performance is rated superior by national financial services rating organizations. We have a long history of stability, steady growth and strong return. Our success has come through solid business practices, acquisitions and most recently strategic, targeted growth through attracting and retaining the best bankers.

Our size and strength means we are large and sophisticated enough to meet all the financing needs of agriculture and business, offering a full range of competitive products, providing up-to-date tools and technologies and attracting top employees to our banking locations and home office.

Our clients value the long-established relationships they have with their American Federal Bankers, who, as employee-owners of American Federal, make certain they do what is in the best interest of their clients in the long-term.

American Federal Bankers are top performers with the knowledge, expertise and experience to provide clients with quality advice and help them grow. Our bankers invest the time to help their clients think and develop strategies. They ask questions to help clients clarify their goals and make key decisions. They make recommendations and offer alternative approaches based on an understanding of their client and their business operation.

Our bankers are from our region. They work and live in their communities. They understand farming and business operations in their markets and are well respected and active in their communities.

We look for these bankers because they are our brand and they deliver advisory-level sales and service.

Seventy percent of American Federal is owned by employees and directors. Our ownership structure enables us to adopt decentralized authority and decision-making, which allows our Bankers to make credit and other decisions close to the customer. 

We are client focused in everything we do. From our responsiveness to how we deliver our advice, our purpose is to make a clear difference for our clients. We believe the best answer is not always the easiest and it requires us to have the confidence in our recommendations to advise our clients about real outcomes and opportunities. We do not push products that clients do not need to achieve a penetration ratio, we do not compete solely on price and we do not treat clients like a number. We make a difference one client at a time.

American Federal Bankers provide a perspective, anticipate industry and economic trends and help their clients interpret current business conditions and understand how they can affect them. Our bankers help evaluate and discuss financial performance and key decisions with their clients and ask questions and share information to help them develop strategies to achieve their goals.

Our bankers connect their clients to others with expertise inside the bank and to outside professionals who can provide additional points of view. We help our clients navigate through resources and suggest other issues to consider.

American Federal Ag, Business and Personal Bankers work hard to understand their clients, their business and their goals and to provide the best solutions to achieve these goals.

Contact an American Federal Banker today.