Sometimes you need a little extra funding to meet your day-to-day needs. Here are some relief opportunities if you should need it.

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In a Nutshell

If your finances have been affected by COVID-19, Sioux Falls Federal Credit Union is doing what we can to step up to the plate and offer payment and/or debt relief. As the coronavirus pandemic spreads, we are offering resources to help during this unprecedented time. If you need that relief, we’ve compiled a list of options:



Buy some extra time by skipping a payment (or two).


  • 60 Day Payment Deferral
  • No Fees

How to get started: Login to Online Banking to apply or call today at 605-334-2471.

NOTE: If you have loans financed elsewhere you may be able to lower your rate and payment by refinancing with Sioux Falls Federal Credit Union and delay your first payment.

*Some restrictions apply.  Subject to approval. You must be current on your loan and be a member in good standing at the time your request is received. 



Relief Loan

The COVID-19 Relief Consumer Loan Program provides funds for any member, including those who are self-employed, who has experienced a reduction in income since January 1, 2020 as a result of COVID-19.


  • 0% APR* Loans for First 6 Months
  • 90 Days Payment Deferral
  • Max Amount of $6,000
Tiered Maximum Amounts by Credit Tier Up To DTI
Tier 1-2 $6000 50%
Tier 3 $3000 50%
Tier 4-5 $1500 50%

How to get started: Call today at 605-334-2471.

*Annual Percentage Rate. With Approved Credit. Restrictions Apply. 0% APR for first 6 months while remaining balance will revert to current rate per credit approval up to a 36 month term.


Auto Loan Refi

Refinancing your car loan is fast and easy — and can put more money in your pocket. You may be able to reduce your monthly payment and boost your total savings on interest over the life of the loan. In addition, we've added even more perks to this deal.


  • No Fees
  • Use Equity to Access Additional Funds
  • 90 Days Payment Deferral

How to get started: Call today at 605-334-2471.

*With Approved Credit.


Additional Services

There are other services that might also help ease the tension. This would include:

  • Consolidation Loans
  • Home Refinancing

If you have questions on any of these, please reach out. We will help in any way we can to get you on track. 605-334-2471.