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Banking on the Hi-Line

KOA Kampground Loans

Independence Bank is proud to be the primary financier of Kampground of America (KOA) campground purchases and improvements. Since 2000, we have loaned more than $250 million to KOA owners and are currently financing more than 40% of the active KOA campgrounds.


"America's Campground Bank"

“Independence Bank has made the required hands-on investment to understand the business, owners, and financial requirements of campground ownership/management. It is America’s “campground bank.”

James D. Rogers
Past President/CEO, Current Board Member
Kampgrounds of America, Inc.

"Go With The Flow" Financing

Unique financing for developing and improving your campground business:

  • No down payment required
  • Qualify at a competitively priced interest rate
  • Repayment is structured around the cash flow being generated by the campground
  • The loan may be paid off early, with no pre-payment penalties

KOA Campground Purchase Loans

For acquisition of campgrounds, restructure of debt and refinancing of campgrounds:

  • Seasonal or monthly payments
  • Competitive rate with a 20-year amortization
  • Competitive terms and conditions
  • SBA 504 Financing available

Here's How to Apply

To begin the application process please click on the link below

KOA Loan Application

KOA Premier Savings Account

Rewarding balances with higher interest rates of return:

  • Offers a tiered rate of interest, secure and easy access to your money
  • $10,000 opening and minimum balance, below minimum $25 service charge and no interest paid that month
  • Five withdrawal limit per statement cycle; when exceeded, $25 service charge per withdrawal
  • Interest will be compounded and credited monthly
  • Includes Online Banking and Bill Pay

Contact our KOA Team

We are ready to partner with you and your KOA campground!

Phone: 1.800.823.2274
Fax: 406.265.1242

Debbie Callahan, KOA Branch President
Chuck Celania, Consultant
Nate Molstad, Commercial Loan Officer

Lisa Jackson, Credit Analyst
Carol Murch, Loan Assistant
Janett Pugh, Loan Assistant

We also invite you to visit and


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