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Rates

Autos - Model Years 2011 and Newer
Credit Tier
1
2
3
4
5
Up to 60 Months
2.99%
3.49%
5.99%
9.99%
11.99%
61 to 72 Months
3.49%
3.99%
6.49%
10.49%
12.49%
73 to 84 Months (2015 and newer only)
3.99%
4.49%
6.99%
10.99%
12.99%
Autos - Model Years 2010 and Older
Credit Tier
1
2
3
4
5
Up to 36 Months
4.99%
5.49%
7.99%
11.99%
13.99%
37 to 48 Months
5.49%
5.99%
8.49%
12.49%
14.49%
49 to 60 Months
5.99%
6.49%
8.99%
12.99%
14.99%
Recreation Vehicles 2011 and Newer
Credit Tier
1
2
3
4
5
Up to 60 Months
3.49%
3.99%
6.49%
10.49%
12.49%
61 to 72 Months
3.99%
4.49%
6.99%
10.99%
12.99%
73 to 84 Months
4.49%
4.99%
7.49%
11.49%
13.49%
Recreation Vehicles 2010 and Older
Credit Tier
1
2
3
4
5
Up to 36 Months
5.49%
5.99%
8.49%
12.49%
14.49%
37 to 48 Months
5.99%
6.49%
8.99%
12.99%
14.99%
49 to 60 Months
6.49%
6.99%
9.49%
13.49%
15.49%
Recreation Vehicles - Variable
Credit Tier
1
2
3
4
5
Up to 180 Months
6.00%
6.50%
7.50%
11.00%
13.00%

Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter.

* Auto & Recreational Rates are effective as of January 1, 2017.

**APR - Annual Percentage Rate

Consumer Loans
Loans
APR*
Term
Share Pledge - current dividend rate plus amt. shown at right
3.00%
n/a
Share Certificate Pledge - current dividend rate plus amt. shown at right
3.00%
certificate term
Visa Better Rewards Credit Card - Variable
12.74%
n/a
Visa Better Rate Card - Variable
11.24%
n/a
Draft Topper Line of Credit
18.00%
n/a
Term Signature Loan - Fixed - $300.00 minimum loan
Credit Tier
1
2
3
4
5
0-36 months
8.50%
9.00%
11.50%
15.50%
17.50%
37-48 months
9.00%
9.50%
12.00%
16.00%
18.00%
49-60 months
9.50%
10.00%
12.50%
16.50%
18.00%
Personal Line of Credit Loan - Variable - $2,500.00 minimum LOC
Credit Tier
1
2
3
4
5
Revolving with a 3 year renewal
9.00%
9.50%
10.00%
14.00%
16.00%

Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.

**APR - Annual Percentage Rate

Home Mortgages 5-24-2017
Mortgage Type
Rate
APR*
30 Year Fixed Rate
3.875%
3.988%
20 Year Fixed Rate
3.750%
3.906%
15 Year Fixed Rate
3.250%
3.448%
10 Year Fixed Rate
3.250%
3.538%
South Dakota Housing 30 Year FHA
3.125%
3.352%
South Dakota Housing 30 Year FHA Fixed Rate Plus
3.625%
3.859%
FHA 30 Year Fixed Rate
3.375%
3.618%
FHA 15 Year Fixed Rate
2.750%
3.184%
VA 30 Year Fixed Rate
3.375%
3.739%
VA 15 Year Fixed Rate
2.875%
3.525%
Mortgage Type
Rate
APR*
Term (Months)
Residential Lot Loans 80% LTV term 15 years
6.750%
6.921%
180
Construction Loans
2.990%
6.285%
9

*APR - Annual Percentage Rate

The rates disclosed above are based on the following assumptions:  you have excellent credit (a FICO credit score of 740+) and that you are buying a single-family home as your primary residence.  Please see below for additional information on these assumptions. 

Discount Points - Mortgage Discount Points are not factored into the rates listed above.  If you would like to purchase points your interest rate may be lower than the rates shown. 

Conforming Fixed Rate Loan - APR calculation assumes a $160,000.00 loan amount with 20% down payment and no mortgage insurance.  If the down payment is less than 20%, mortgage insurance may be required, which would increase the monthly payment and APR.  Fees included in APR-origination, underwriting, flood certification, tax service, document preparation and closing fee. 

South Dakota Housing Fixed Rate FHA Loan - APR calculation assumes a $160,000.00.  Fees included in APR-origination, underwriting, flood certification, tax service, document preparation and closing fee. 

FHA Loans - APR calculation assumes a base loan amount of $160,000.00 with 3.5% down payment.  Fees included in APR-origination, flood certification, document preparation, underwriting fee, closing fee and upfront Mortgage Insurance.  APR does not include monthly mortgage insurance. 

VA Loans - APR calculation assumes a $160,000.00 base loan amount with no down payment.  Fees included in APR-origination, flood certification, underwriting, closing fee and upfront VA Funding Fee. 

Lot Loan - APR calculation assumes a $160,000.000.  Fees included in APR-origination, flood certification, tax service and document preparation. 

Construction Loan - APR calculation assumes a $160,000.00.  Fees included in APR-origination, flood certification, document preparation and closing fee. 

Factors that can affect the rate:
Occupancy
Loan Amount
Credit Score
Loan to Value
Loan Purpose

Home Equity - 5 Year Term
Credit Tier
1
2
3
<70% CLTV
4.25%
4.50%
5.00%
70-79.9% CLTV
4.50%
4.75%
5.25%
80-89.9% CLTV
4.75%
5.00%
5.50%
90-95.0% CLTV
5.00%
5.25%
5.75%
Home Equity - 7 Year Term
Credit Tier
1
2
3
<70% CLTV
4.75%
5.00%
5.50%
70-79.9% CLTV
5.00%
5.25%
5.75%
80-89.9% CLTV
5.25%
5.50%
6.00%
90-95.0% CLTV
5.50%
5.75%
6.25%
Home Equity - 10 Year Term
Credit Tier
1
2
3
<70% CLTV
5.25%
5.50%
6.00%
70-79.9% CLTV
5.25%
5.50%
6.00%
80-89.9% CLTV
5.50%
5.75%
6.25%
90-95.0% CLTV
5.75%
6.00%
6.50%
Home Equity - 6 Year Balloon
Credit Tier
1
2
3
up to 90% CLTV
5.50%
5.75%
6.25%

***5-year (180) term with a 6-year balloon. 

Home Equity - 2nd Purchase Money
Credit Tier
1
2
3
90.01-95% CLTV
6.00%
6.00%
6.00%
HELOC (Variable)
Credit Tier
1
2
3
up to 80% CLTV
4.75%
5.00%
5.50%
81-90% CLTV
5.00%
5.25%
5.75%

Variable rates are subject to change at the end of each calendar quarter. 

*APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score.  The numbered tiers shown represent credit score ranges as follows:  1=720+, 2= 680-720, 3=680 or less.

**Rates are effective as of May 1, 2017.

Unless noted, all rates are fixed rates. 

Home Equity Loan - APR calculations assumes a $50,000.00 loan amount.  Fees included in the APR - flood certification and application fee. 

Business Loans
Loan Type
Term
APR*
Operating Lines of Credit
1 Year, Monthly Interest Payments
Call Us
Term-Real Estate Purchases, Refinances
Up to 25 Years - 5 Year Rate Guarantee
Call Us
Term-Equipment Purchase/Working Capital
Up to 10 Years - 5 Year Rate Guarantee
Call Us

*Annual Percentage Rate.  Small Business Administration (SBA) guaranteed financing available; call for terms and rates.

Business Checking

No need to constantly sweep funds from one account to another, because your Sioux Falls Federal Credit Union business checking account pays dividends! And our earnings credit allows for the balance your checking account to offset or eliminate any monthly charges.

  • Multiple checking packages, with one to fit your needs, including the opportunity to enjoy free checking.
  • Our Advantage Business Check Card simplifies purchases, and you earn valuable rewards points too.
  • Free online tools like home banking, bill pay, electronic statements, account alerts and more.

Open your Sioux Falls Federal Credit Union business checking account by visiting any of our office locations and visiting with a member service officer.

Business Checking Rates
Minimum Balance
Dividend Rate
APY*
Term
Tier 1
$2,000
0.05%
0.05%
n/a
Tier 2
$25,000
0.05%
0.05%
n/a
Tier 3
$50,000
0.10%
0.10%
n/a
Tier 4
$100,000
0.15%
0.15%
n/a

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening.  Fees could reduce the earnings on the account.

Consumer Checking
Minimum Balance
Dividend Rates
APY*
Term
Opening Balance
$0
0.00%
0.00%
n/a
Start Earning
$2,000
0.05%
0.05%
n/a

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.

Share Savings
Savings
Minimum Balance
Dividend Rate
APY*
Term
Regular, Special, & Christmas Club
$50
0.10%
0.10%
n/a
Super Share Money Market - Tier 1
$1,000
0.10%
0.10%
n/a
Super Share Money Market - Tier 2
$2,500
0.10%
0.10%
n/a
Super Share Money Market - Tier 3
$10,000
0.10%
0.10%
n/a
Super Share Money Market - Tier 4
$25,000
0.10%
0.10%
n/a
Super Share Money Market - Tier 5
$50,000
0.15%
0.15%
n/a
Super Share Money Market - Tier 6
$100,000
0.20%
0.20%
n/a
Health Savings Account - Tier 1
$0
0.05%
0.05%
n/a
Health Savings Account - Tier 2
$1,000
0.05%
0.05%
n/a
Health Savings Account - Tier 3
$2,500
0.10%
0.10%
n/a
Individual Retirement Account - Tier 1
$0
0.10%
0.10%
n/a
Individual Retirement Account - Tier 2
$2,500
0.10%
0.10%
n/a
Individual Retirement Account - Tier 3
$10,000
0.10%
0.10%
n/a
Individual Retirement Account - Tier 4
$25,000
0.10%
0.10%
n/a
Individual Retirement Account - Tier 5
$50,000
0.15%
0.15%
n/a
Individual Retirement Account - Tier 6
$100,000
0.20%
0.20%
n/a

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.

Share Savings Rates Effective: 06/01/2014

Regular & IRA Share Certificates
Certificate Term
Minimum Deposit
Dividend Rate
APY*
Term
3 Month Share Certificate
$2,500
0.15%
0.15%
3
6 Month Share Certificate
$2,500
0.20%
0.20%
6
1 Year Share Certificate
$500
0.25%
0.25%
12
1 Year Jumbo Share Certificate
$10,000
0.35%
0.35%
12
18 Month Share Certificate
$500
0.40%
0.40%
18
2 Year Share Certificate
$500
0.50%
0.50%
24
3 Year Share Certificate
$500
1.00%
1.00%
36
4 Year Share Certificate
$500
1.10%
1.11%
48
5 Year Share Certificate
$500
1.30%
1.31%
60

APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change without notice. Penalties apply for early withdrawal of principal amount. A complete description of these accounts is available upon request, and will be provided at account opening.