Frandsen Bank & Trust

Your Bridge to Financial Success for Life


415 Main St., P.O. Box 499, Tower, MN 55790

218-753-6100 ~ Website ~

8 am - 4:30 pm Mon - Fri

Online Banking

Mobile Banking & Deposits

Online Bill Pay    

Checking Accounts

Savings Accounts 

Certificates of Deposit

Personal Banking

Business Banking

Trust and Investment Services


Home Loans                                                        Personal Loans

       Conventional                                                        Home improvement

       1st Time Homebuyer                                            Home Equity Lines of Credit

       Low or No Down Payments                                 Auto

       Gov. Guarnteed                                                    Recreational

       Construction                                                         Travel

       Cabins, Lakeshore, and Land                               Overdraft Protection


We deliver the service and convenience you deserve - online, in person and by phone. We're proud to be a community-focused bank committed to understanding your financial needs.






Embarrass Vermillion Federal Credit Union's mission is to build relationships that span generations through innovative financial services while maintaining safety and soundness.

Tower Office

505 Main Street P.O. Box 433 Tower, MN 55790

Phone: (218) 753-4311 Toll Free: 1-888-775-6609 Fax: (218) 753-6313


Aurora Office

600 W 3rd Ave. North  Aurora, MN 55705

Phone: (218) 229-2048 Toll Free: 1-888-341-2308 Fax: (218) 229-2096    ATM'S AT ALL 3 LOCATIONS


Embarrass Office

4880 Highway 21 P.O. Box 98 Embarrass, MN 55732

Phone: (218) 984-3501 Toll Free: 1-888-529-4980 Fax: (218) 984-2350


Who Can Open An Account? 
Embarrass Vermillion Federal Credit Union's charter includes all people, businesses, and other legal entities who worship, work, or attend school in Northern St. Louis County north of Highway 16 and their immediate families.


Benefits Of Membership:
As a member-owner of EVFCU, you are part of a not for profit financial institution that is governed by its membership. Earnings are returned to member-owners in the form of lower rates on loans, higher returns on savings and the best possible member service in the area. As a Federal Credit Union our, unpaid volunteer, Board is elected by the membership and act in the best interest of the members and the credit union.

As a member of EVFCU, you are eligible for insured savings with competitive rates, affordable loans, convenient checking and electronic services, plus the friendliest service in the area.






"Hometown Value……....Worldwide Access……….Lifelong Relationships."

Along with our traditional products, please explore the variety of other Products & Services available:


Other Products and Services

Direct Deposit

Money Orders

Cashier’s Checks


Online Banking (OLB)

Free Mobile Banking App

Mobile Check Ordering

Online Loan Application



Safe Deposit Boxes

Coin Machine


Drive-up ATM

Free Financial Educ. for our Members from LSS

Two Student Branches & Student Focus Groups


*New Services

Remote Deposit Capture

Remote Control of Debit Cards (turn on & off)​​

24 South River Street

PO Box 1058

Cook MN, 55723

Phone (218) 666 -5940

Fax: (218) 666-2149


Main Office:


9:00 a.m. – 5:00 p.m.


Drive Thru:


8:30 a.m. - 5:00 p.m.


24 Hour Night Drop located in Drive-Up


Providing Insurance and Financial Services


120 Highway 53 North, Cook, MN 55723


Help with Retirement and Educational Planning

Located next to Waschke Family Chevrolet


Mon-Fri 8:30am to 5:00pm

Evenings/Weekends by Appt




Phone: (218) 666-5504

Fax: (218) 666-2670

Toll Free: (877) 666-5508

Mobile: (218) 750-4676


Electronic Business Card : Click Here