Denise Heidman

Denise M. Heidman, CIS

Trust Associate

Denise is a Certified IRA Specialist I (CIS) with over 15 years experience in Trust. Denise has assisted in the administration of a variety of Individual Retirement Accounts. She also has experience assisting with the administration of 401(k) Plans along with investment management accounts. She is instrumental in the day to day operations of account administration. The assistance and support Denise provides allows the executives the opportunity to focus on client relationships.

Conventional Fixed, 15 Years
Rate 3.500% | APR 3.737%
Conventional Fixed, 20 Years
Rate 3.750% | APR 3.936%
Conventional Fixed, 30 Years
Rate 4.000% | APR 4.135%
FHA, 30 Years
Rate 3.500% | APR 4.654%
VA, 30 Years
Rate 3.625% | APR 3.750%
January 17

Duluth, MN
Stock, Bond, and Mutual Fund investments are not FDIC insured. May lose value. Not bank guaranteed. Products are not obligations of the bank.