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Tim Smith
Senior Loan Officer
Direct: (320) 529-4230
Email: Send Email
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About Us

About American Heritage National Bank:
American Heritage National Bank offers a full service line of personal banking products, including the following types of home mortgage loans: Conventional, FHA, VA and Rural Development.

American Heritage Bank, the oldest family-owned and operated bank in St. Cloud since 1881, including bank offices in Clearwater, Long Prairie and Browerville. Also known as the Log Bank, both banking locations in St. Cloud are constructed from full-sized cut pine logs occupying 30,000 square feet each. At our West side branch, the mezzanine level has been officially dedicated as an American Heritage Museum and the lower level hosts a 500 seat Conference Centre for local area charities and non-profit organizational meetings. At our East side branch, the Highway 10 site proudly presents the 25 foot granite Waterfall Memorial dedicated in honor to our American service men and women.

American Heritage Bank strongly supports the local communities in Central Minnesota and promotes the economic prosperity of its Main Street businesses. The Log Banks represent our long-standing commitment to you in providing the highest quality of personal banking and business services for achieving your financial goals. Come discover the experience of our relationship banking tradition!



Tim Smith, Senior Loan Officer NMLS #533151
2915 2ND ST. S, ST CLOUD, MN  56302
Direct:  (320) 529-4230
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