Loans & Credit

The FlexLine combines all the benefits of an equity line of credit—and a home equity loan—into one powerful financial tool. For planned or unplanned expenses, you can use the money however and whenever you need it.

Simple. Easy. Flexible. 

  • Once you open the initial loan the money will be there when you need it.
  • You only pay interest on the money you use, and as you pay it back, those funds become available again.
  • Up to three times, you can advance a single large amount at a low fixed interest rate for big purchases like a car or to pay off credit cards.

Contact our Consumer Loans Department to learn more about the Denali FlexLine and apply today: 907-458-4216 or



Whether you plan to buy a car, ATV or airplane, or to pay medical expenses, take a vacation or want to consolidate debt into a single payment, Denali State Bank is here to help with all of your personal lending needs.

  • Personal Loans

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  • Home Equity Fixed Rate Loan
  • Home Improvement Loan
  • Raw (Unimproved) Land Loans
  • Improved Land Loans

Apply Now 


  • Lending Club Partnership

Denali State Bank has partnered with Lending Club, a trusted credit marketplace, to provide its customers a lower-cost alternative to a traditional personal loan.

Discount for qualifying loans: deposit customers can choose “Auto Pay” and receive a .25% rate reduction on most personal loan rates!


When you live in a place as unique as Fairbanks, having a connection you can relate to means a lot. Denali State Bank has a proven record of bringing quality, local lending experience and an established culture of customer service to mortgage lending. Our team will guide you through the mortgage process in the relaxed atmosphere that only a hometown lender can provide. Which makes it easier—and quicker to get into the home you want.

Available Financing Options Include:

  • Conventional Financing 
  • FHA/VA
  • Physician Loans
  • Wet/Dry Cabin Loans
  • Recreational Properties
  • Alaska Housing Finance Corporation

    Apply Now

Contact our Mortgage Team at 907-458-4202 or send us an email at



A leader in providing quality financing for home construction in Interior Alaska, Denali State Bank is dedicated to getting you the answers you need, when you need them.

We offer you:

  • Local loan decisions 
  • Competitive rates 
  • Quick approval time 
Arctic climates require unique construction techniques as well as knowledgeable construction lenders. Call or email our friendly staff so we can start making your building dreams a reality!
Contact: 907-458-4290 or