Rates

Sometimes you need a little extra funding to meet your day-to-day needs or the budget for your next big purchase. Try a Sioux Falls Federal Credit Union (SFFCU) personal loan.

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Current Personal Loan Interest Rates

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

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 terms
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

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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%

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Personal Line of Credit Loan - Variable - $2,500.00 minimum LOC

Credit Tier 1 2 3 4 5
Revolving with a 3 year renewal 9.25% 9.75% 10.25% 14.25% 16.25%

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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= 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.