Financial Institutions
The area is fortunate to have a number of first-rate, full-service banking institutions. You will appreciate their friendly customer service and their easy-to-find locations.

One can easily notice the Bank Midwest building on Sanborn Avenue in Okoboji, one-half block west, off US Hwy. 71, offering full banking services.
First Bank & Trust is in downtown Spirit Lake, one block north of US Hwy. 71, on Hill Avenue. Their drive-up bank is on US Hwy. 71, three blocks west of the Dickinson County Courthouse. They have two ATM locations, one at IOCO Speede Shop on US Hwy. 71, four blocks west of the Dickinson County Courthouse, and the other at their main bank in downtown Spirit Lake.
Liberty Bank is in the Lakes Center Mall, on US Hwy. 71, in Arnolds Park. Their 24-hour ATMs are located inside their main entrance and the Kum-N-Go in Okoboji. Another new ATM location is at the Okoboji Spirit Center in Arnolds Park.
Northwest Federal Savings Bank has three local branches, one on US Hwy. 71 in downtown Milford, another on the south side of US Hwy. 71 and 9 in Spirit lake by Fareway, and the third on west 5th in Spencer. Their ATM locations are in Fareway in Spirit Lake and in Spencer at Hy-Vee, Holiday Station and Break Pointe.
The State Bank is 1-1/2 blocks south of US Hwy. 71, on Hill Avenue in Spirit Lake, across from the Dickinson County Courthouse. Their ATM is in the Pronto Store at the intersection of US Hwys. 71 & 9, near Wal-Mart.
There are two local branches of United Community Bank. The main bank is on US Hwy. 71 in downtown Milford, and the new Okoboji branch is on US Hwy. 71, north of McDonald’s. Both local branches have an ATM, along with a third ATM located at Dyno’s Amoco in Milford.