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Del Norte Bank Del Norte Bank
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Business Details
50+ Years
experience
Your Trusted Community Bank in Del Norte, CO
Del Norte Bank has served the financial needs of Del Norte, Creede, and surrounding areas since 1921. As a mutually owned community bank, we prioritize local relationships over corporate demands, offering FDIC-insured deposit products, personalized lending solutions, and modern banking services. Our history of community reinvestment includes mortgage programs with low down payments, specialized loan options for vehicles and agriculture, and business banking services supporting local commerce.

With two full-service locations and a loan production office, we combine small-town service with competitive rates and digital convenience through online and mobile banking platforms. Our team of experienced professionals maintains a commitment to financial education and personalized service, ensuring clients receive tailored solutions for their unique needs.
Services
Personal Loans Mortgage Loans Auto Loans Checking Accounts Savings Accounts Certificates of Deposit Online Banking Mobile Banking Commercial Loans IRA Accounts
Details
  • Year established: 1921
Highlights and features
  • We offer personalized loan structuring based on individual circumstances
  • Our FDIC-insured deposit products include specialized checking and savings options
  • We provide 24-hour ATM access with free services for customers
  • Our local decision-making process enables faster loan approvals
  • We maintain a 100-year history of community financial service
Associations and certifications
  • FDIC
What people say
Friendly staff Personalized service Local decision-making Competitive rates Community involvement
Update Listing
Services
Personal Loans
We offer flexible personal loan options for vehicle purchases, debt consolidation, and unexpected expenses. Our lending specialists work with borrowers to structure terms that match their financial situation. With competitive rates and multiple repayment options, these loans help customers achieve their personal financial goals while maintaining manageable monthly payments.
Mortgage Loans
Our mortgage lending program includes conventional loans with 3% down payment options, USDA guaranteed loans, and first-time homebuyer programs. Licensed professionals guide clients through the application process, offering competitive rates and personalized advice. We specialize in helping Colorado residents achieve homeownership through tailored financing solutions and local decision-making.
Checking Accounts
We provide multiple checking account options including standard, senior, and money market varieties. Features include no monthly fees with qualifying balances, unlimited check writing, and debit card access. Our accounts offer tiered interest rates and flexible requirements to accommodate different financial needs while maintaining FDIC protection.
Online Banking
Our secure online platform enables 24/7 account management with features like bill payment, fund transfers, and mobile check deposit. Users can access real-time balances, set up account alerts, and manage multiple accounts from any device. The system includes robust security measures and customer support for technical assistance.
Commercial Loans
We provide tailored lending solutions for local businesses including lines of credit, equipment financing, and agricultural loans. Our commercial banking team understands regional economic needs and offers personalized service with local decision-making authority. Services include cash management tools and merchant processing solutions to support business growth.
People
Mike Hurst
President
With over 25 years in community banking, Mike Hurst leads Del Norte Bank's strategic initiatives while maintaining focus on local customer relationships and community development projects.
Traci Holmes
Senior Vice President
NMLS-certified mortgage expert Traci Holmes oversees lending operations, bringing 20+ years of experience in residential and commercial loan programs to client consultations.
TJ Brown
Vice President
As NMLS-licensed lending officer, TJ Brown specializes in personal loan products and customer relationship management, combining technical expertise with personalized service delivery.
Scott Stecken
Mortgage Lender
Certified mortgage professional Scott Stecken provides home financing solutions with expertise in conventional, USDA, and first-time homebuyer programs for Colorado residents.
Terry Haynie
Board Chairman
Leading the board of directors, Terry Haynie ensures regulatory compliance and strategic governance while maintaining the bank's community-focused mission and mutual ownership structure.
Questions
What online banking services does Del Norte Bank offer?
We provide 24/7 online access for account management, bill payment, fund transfers, and mobile check deposit through secure web and mobile platforms.
Are my deposits FDIC insured?
Yes, all eligible deposit accounts at Del Norte Bank are FDIC insured up to $250,000 per depositor, per ownership category.
What loan options are available for first-time homebuyers?
We offer specialized mortgage programs including USDA loans and conventional options with 3% down payments for qualified first-time homebuyers.
Do you have 24-hour ATM access?
Yes, both our Del Norte and Creede locations offer 24-hour ATM services with free transactions for our customers.
What business banking services do you provide?
We offer commercial loans, business checking accounts, merchant processing, and cash management tools tailored to local businesses' needs.
How can I open a new account?
Visit any branch with required documents including ID, Social Security number, and initial deposit. Business accounts require additional registration documentation.