Homeowners Associations
Tailor-Made Banking Solutions Built for Your HOA
Managing a homeowners association comes with unique financial responsibilities. From collecting dues and paying vendors to planning for long-term maintenance, your board needs a banking partner that offers customized products to meet your unique needs.
Here is a full suite of products and services that can be tailored to the needs of your HOA:
- HOA Checking Accounts- We have the right checking account match for you
- HOA Business Money Market- Maximize your interest potential with our tiered account
- Insured Cash Sweep Accounts- Access millions of dollars in FDIC insurance with one banking relationship
- HOA Loans- For repairs, major renovations, or other cash flow needs
- Customized Treasury Management- Our Treasury team will work with you to find the right blend of products and services to help you optimize your cash flow and make banking more convenient than ever before
Earn More For Your Association
Make the most of your HOA's reserves with our exclusive High-Yield Money Market rate. Our High-Yield Money Market offers competitive returns, easy access, and is built for association needs.
For a limited time, HOAs earn our highest available Money Market rate of 3.56% APY*.
Call today to speak with a Business Banking Officer about opening your account.
*Annual Percentage Yield (APY) is accurate as of 6/1/2026. Rates may change after the account is opened and are subject to change at the bank's discretion. New money only. Minimum opening deposit is only $50. Ask us for details. Bank rules and regulations apply. Other fees such as overdraft fees may apply. Fees may reduce earnings. See fee schedule for details.
Loan Options for your Homeowners Association
Details | Traditional Term Loan | Line of Credit |
|---|---|---|
Rate | Rate will be quoted | Rate will be quoted |
Term | 5 to 10 years | 12 months |
Minimum Loan Amount | $100,000 | $100,000 |
Potential Uses | Capital improvements, repairs, infrastructure needs, or projects that require a longer amortization period | Working capital needs, smaller purchases, vendor payments |
All loans and lines of credit are subject to credit approval. Fees apply. Coulee Bank's lending priority is focused on serving the communities in close proximity to our branch offices. The Bank’s lending area is defined as within a 125-mile radius of the Losey Boulevard office, the St. Paul office or the Rochester office.