Rates

Picture your perfect home. Does it have a big front yard? A two-car garage for your main ride and your not-so-necessary second ride? Sioux Falls Federal Credit Union (SFFCU) is here.

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Current Home Loan Interest Rates

Your home loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Home Mortgages 12/06/2018

Mortgage Type Rate APR*
30 Year Fixed Rate 4.625% 4.743%
20 Year Fixed Rate 4.500% 4.661%
15 Year Fixed Rate 4.000% 4.202%
10 Year Fixed Rate 4.000% 4.292%
South Dakota Housing 30 Year FHA 4.125% 4.366%
South Dakota Housing 30 Year FHA Fixed Rate Plus 4.375% 4.619%
FHA 30 Year Fixed Rate 4.000% 4.253%
FHA 15 Year Fixed Rate 3.750% 4.196%
VA 30 Year Fixed Rate 4.125% 4.505%
VA 15 Year Fixed Rate 3.875% 4.544%
Mortgage Type Rate APR* Term (Months)
Residential Lot Loans 80% LTV term 15 years 6.750% 6.921% 180
Construction Loan 2.990% 6.285% 9
Construction Loan 3.99% 6.805% 9

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Home Equity - 5 Year Term

Credit Tier 1 2 3
<70% CLTV 4.50% 4.75% 5.25%
70-79.9% CLTV 4.75% 5.00% 5.50%
80-89.9% CLTV 5.00% 5.25% 5.75%
90-95.0% CLTV 5.25% 5.50% 6.00%

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Home Equity - 7 Year Term

Credit Tier 1 2 3
<70% CLTV 5.50% 5.75% 6.25%
70-79.9% CLTV 6.00% 6.25% 6.75%
80-89.9% CLTV 6.25% 6.50% 7.00%
90-95.0% CLTV 6.50% 6.75% 7.25%

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Home Equity - 10 Year Term

Credit Tier 1 2 3
<70% CLTV 6.00% 6.25% 6.75%
70-79.9% CLTV 6.25% 6.50% 7.00%
80-89.9% CLTV 6.50% 6.75% 7.25%
90-95.0% CLTV 6.75% 7.00% 7.50%

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Home Equity - 6 Year Balloon***

Credit Tier 1 2 3
up to 90% CLTV 6.25% 6.50% 7.00%

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

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Home Equity - 2nd Purchase Money

Credit Tier 1 2 3
80.01-95% CLTV 6.75% 7.00% 7.50%

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HELOC (Variable)

Credit Tier 1 2 3
up to 80% CLTV 6.00% 6.25% 6.75%
81-90% CLTV 6.25% 6.50% 7.00%

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*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= 680-719, 3= 679 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.