This page contains the various disclosures that we need to provide to you when you join the credit union or when you open certain types of accounts. We have grouped them into categories based on the accounts you open.

New Member Disclosures

The following documents are for all new members of Sioux Falls Federal Credit Union:

Membership & Account Agreement ►
Business Membership & Account Agreement ►
Electronic Funds Transfer Agreement ►
Privacy Notice & Disclosure ►
Truth In Savings ►
Website Privacy Policy ►
Online Banking Agreement and Disclosure ►
Terms of Use ►
Mobile Deposit Terms & Conditions ►

Checking Account Disclosures

When you open a checking account here is what you should review:

Funds Availability Policy
Pay It Disclosure ►
Visa Account Updater ►

When you open a business checking account this document explains our account choices: Business Checking Disclosure.

Prepaid Card Disclosures

Here are the Terms and COnditions for our Gift Cards and Reloadable Cards:

Gift Card Terms & Conditions ►
Reloadable Card Terms & Conditions

Visa Credit Card Disclosures

If you have a credit union-issued Visa credit card, this document represents the agreement between us and you and tells you how the program operates. For current rates and how we calculate interest charges, please see our Visa card disclosure on the Credit Cards page.

Application Disclosure ►
Visa Credit Card Agreement ►
Visa Account Updater ►

Online Calculator Disclosure

The Calculators, Articles and Newsletters sections are intended only as informational and educational material and should not be regarded as financial or tax advice or as an endorsement of other sites or businesses. Sioux Falls Federal Credit Union makes no warranties whatsoever in relation to the content and users rely upon it at their own risk.

HMDA Disclosure

The HMDA data about our residential mortgage lending is available for review.  The data show geographic distribution of loans and applications; race, gender, and income of applicants and borrowers; and information about loan approvals and denials.  To receive a copy of this data, send a written request to Sioux Falls Federal Credit Union, 1741 S Cleveland Avenue, Sioux Falls, SD 57103.