Current Auto Loan Interest Rates

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

Autos - Model Years 2014 and Newer

Credit Tier	1	2	3	4	5
Up to 60 Months	2.99%	2.99%	6.99%	10.99%	12.99%
61 to 72 Months	2.99%	2.99%	7.49%	11.49%	13.49%
73 to 84 Months (2018 and newer only)	3.99%	3.99%	7.99%	11.99%	13.99%

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Autos - Model Years 2013 and Older

Credit Tier	1	2	3	4	5
Up to 24 Months	5.25%	5.75%	8.25%	12.25%	14.25%
25 to 36 Months	5.75%	6.25%	8.75%	12.75%	14.75%
37 to 48 Months	6.25%	6.75%	9.25%	13.25%	15.25%
49 to 60 Months	6.75%	7.25%	9.75%	13.75%	15.75%

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Driving Sense Auto Loans*** - 2016 and Newer

Credit Tier	1	2	3	4	5
Up to 60 Months	4.99%	5.49%	7.99%	n/a	n/a
61-72 Months	5.49%	5.99%	8.49%	n/a	n/a

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Recreation Vehicles 2014 and Newer

Credit Tier	1	2	3	4	5
37 to 60 Months	3.99%	3.99%	6.99%	10.99%	12.99%
61 to 72 Months	4.49%	4.49%	7.49%	11.49%	13.49%
73 to 84 Months	4.99%	4.99%	7.99%	11.99%	13.99%

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Recreation Vehicles 2013 and Older

Credit Tier	1	2	3	4	5
Up to 24 Months	5.25%	5.75%	8.25%	12.25%	14.25%
25 to 36 Months	5.75%	6.25%	8.75%	12.75%	14.75%
37 to 48 Months	6.25%	6.75%	9.25%	13.25%	15.25%
49 to 60 Months	6.75%	7.25%	9.75%	13.75%	15.75%

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Recreation Vehicles - Variable

Credit Tier	1	2	3	4	5
Up to 180 Months	5.25%	5.75%	6.75%	10.25%	12.25%

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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 and shall not exceed 18.00% APR.

* Auto & Recreational Rates are effective as of January 2, 2020.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate.

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	11.99%	n/a
Visa Better Rate Card - Variable	10.49%	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	10.25%	10.75%	13.25%	17.25%	18.00%
37-48 months	10.75%	11.25%	13.75%	17.75%	18.00%
49-60 months	11.25%	11.75%	14.25%	18.00%	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	8.25%	8.75%	9.25%	13.25%	15.25%

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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 and shall not exceed 18.00% APR.

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 11/19/2020

Mortgage Type	Rate	APR*
30 Year Fixed Rate	2.75%	2.856%
20 Year Fixed Rate	2.75%	2.90%
15 Year Fixed Rate	2.25%	2.443%
10 Year Fixed Rate	2.375%	2.658%
5/1 Arm	2.75%	2.847%
7/1 Arm	2.50%	2.596%
10/1 Arm	2.875%	2.973%
South Dakota Housing 30 Year FHA	2.375%	2.593%
South Dakota Housing 30 Year FHA Fixed Rate Plus	2.875%	3.099%
FHA 30 Year Fixed Rate	2.75%	2.751%
FHA 15 Year Fixed Rate2	2.75%	3.184%
VA 30 Year Fixed Rate	2.75%	3.101%
VA 15 Year Fixed Rate	2.75%	3.398%

Mortgage Type	Rate	APR*	Term (Months)
Residential Lot Loans 80% LTV term 15 years	6.75%	6.921%	180
Construction Loan Option 1	2.990%	6.285%	9
Construction Loan Option 2	3.990%	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%

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Home Equity - 7 Year Term

Credit Tier	1	2	3
<70% CLTV	5.00%	5.25%	5.75%
70-79.9% CLTV	5.50%	5.75%	6.25%
80-89.9% CLTV	5.75%	6.00%	6.50%

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Home Equity - 10 Year Term

Credit Tier	1	2	3
<70% CLTV	5.25%	5.50%	6.00%
70-79.9% CLTV	5.50%	5.75%	6.25%
80-89.9% CLTV	5.75%	6.00%	6.50%

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Home Equity - 6 Year Balloon***

Credit Tier	1	2	3
up to 90% CLTV	5.75%	6.00%	6.50%

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

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HELOC (Variable)

Credit Tier	1	2	3
up to 80% CLTV	4.50%	4.50%	4.75%
81-90% CLTV	4.50%	4.50%	5.00%

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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 and shall not exceed 18.00% APR.

Current Business Checking Dividend Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

	Minimum Balance	Dividend Rate	APY*
Tier 1	$2,000	0.10%	0.10%
Tier 2	$25,000	0.10%	0.10%
Tier 3	$50,000	0.15%	0.15%
Tier 4	$100,000	0.15%	0.15%

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*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. Rates effective: 2/1/2019

Current Consumer Checking Dividend Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here's what you can expect currently:

	Minimum Balance	Dividend Rate	APY*
At Account Opening	$0	0.00%	0.00%
At Interest-Earning Threshold	$2,000	0.05%	0.05%

*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.

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Current Consumer Savings Dividend Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

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 up to $2,499.99	0.10%	0.10%	n/a
Super Share Money Market - Tier 2	$2,500 - $9,999.99	0.10%	0.10%	n/a
Super Share Money Market - Tier 3	$10,000 - $24,999.99	0.15%	0.15%	n/a
Super Share Money Market - Tier 4	$25,000 - $49,999.99	0.15%	0.15%	n/a
Super Share Money Market - Tier 5	$50,000 - $99,999.99	0.20%	0.20%	n/a
Super Share Money Market - Tier 6	$100,000 and up	0.30%	0.30%	n/a

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Regular & IRA Share Certificates

Certificate Term	Minimum Deposit	Dividend Rate	APY*	Term
3 Month Share Certificate	$2,500	0.25%	0.25%	3
6 Month Share Certificate	$2,500	0.30%	0.30%	6
1 Year Share Certificate	$500	0.45%	0.45%	12
18 Month Share Certificate	$500	0.55%	0.55%	18
2 Year Share Certificate	$500	0.70%	0.70%	24
3 Year Share Certificate	$500	0.80%	0.80%	36
4 Year Share Certificate	$500	1.00%	1.00%	48
5 Year Share Certificate	$500	1.15%	1.16%	60

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Fees could reduce earnings on the account. The account requires a minimum opening deposit based on term and APY and is listed above. Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee. Some exceptions may apply.

The Regulation D Penalty is 7 days' simple interest and applies to:

Withdrawals made within 7 days of account opening including the opening day.
Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:

For terms less than three months (or less than 90 days), the fee is one month's interest.
For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
For terms over 12 months through 24 months, the fee is six months' interest.
For terms over 24 months, the fee is 12 months' interest.

Share Savings Rates Effective: 4/6/20

Current Consumer Retirement Dividend Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Savings	Minimum Balance	Dividend Rate	APY*	Term
Individual Retirement Account - Tier 1	$0 - $2,499.99	0.10%	0.10%	n/a
Individual Retirement Account - Tier 2	$2,500 - $9,999.99	0.10%	0.10%	n/a
Individual Retirement Account - Tier 3	$10,000 - $24,999.99	0.15%	0.15%	n/a
Individual Retirement Account - Tier 4	$25,000 - $49,999.99	0.15%	0.15%	n/a
Individual Retirement Account - Tier 5	$50,000 - $99,999.99	0.20%	0.20%	n/a
Individual Retirement Account - Tier 6	$100,000 and up	0.30%	0.30%	n/a

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Regular & IRA Share Certificates

Certificate Term	Minimum Deposit	Dividend Rate	APY*	Term
3 Month Share Certificate	$2,500	0.25%	0.25%	3
6 Month Share Certificate	$2,500	0.30%	0.30%	6
1 Year Share Certificate	$500	0.45%	0.45%	12
18 Month Share Certificate	$500	0.55%	0.55%	18
2 Year Share Certificate	$500	0.70%	0.70%	24
3 Year Share Certificate	$500	0.80%	0.80%	36
4 Year Share Certificate	$500	1.00%	1.00%	48
5 Year Share Certificate	$500	1.15%	1.16%	60

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

The Regulation D Penalty is 7 days' simple interest and applies to:

Withdrawals made within 7 days of account opening including the opening day.
Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:

For terms less than three months (or less than 90 days), the fee is one month's interest.
For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
For terms over 12 months through 24 months, the fee is six months' interest.
For terms over 24 months, the fee is 12 months' interest.

Share Certificate Rates Effective: 4/6/20

Current Consumer Healthcare Dividend Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Savings	Minimum Balance	Dividend Rate	APY*	Term
Health Savings Account - Tier 1	$0.00 - $2,499.99	0.10%	0.10%	n/a
Health Savings Account - Tier 2	$2,500.00 - $9,999.99	0.15%	0.15%	n/a
Health Savings Account - Tier 3	$10,000.00 and up	0.20%	0.20%	n/a

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Health Savings Account rates effective: 2/1/2019

Current Business Savings Rates

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Share Savings

Savings	Minimum Balance	Dvidend Rate	APY*	Term
Regular, Special	$50	0.10%	0.10%	n/a
Super Share Money Market - Tier 1	$1,000 up to $2,500	0.10%	0.10%	n/a
Super Share Money Market - Tier 2	$2,500.01 - $10,000	0.10%	0.10%	n/a
Super Share Money Market - Tier 3	$10,000.01 - $25,000	0.15%	0.15%	n/a
Super Share Money Market - Tier 4	$25,000.01 - $50,000	0.15%	0.15%	n/a
Super Share Money Market - Tier 5	$50,000.01 - $100,000	0.20%	0.20%	n/a
Super Share Money Market - Tier 6	over $100,000	0.30%	0.30%	n/a

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Regular Share Certificates

Certificate Term	Minimum Deposit	Dividend Rate	APY*	Term
3 Month Share Certificate	$2,500	0.25%	0.25%	3
6 Month Share Certificate	$2,500	0.30%	0.30%	6
1 Year Share Certificate	$500	0.45%	0.45%	12
18 Month Share Certificate	$500	0.55%	0.55%	18
2 Year Share Certificate	$500	0.70%	0.70%	24
3 Year Share Certificate	$500	0.80%	080%	36
4 Year Share Certificate	$500	1.00%	1.10%	48
5 Year Share Certificate	$500	1.15%	1.16%	60

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The Regulation D Penalty is 7 days' simple interest and applies to:

Withdrawals made within 7 days of account opening including the opening day.
Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance.

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below:

For terms less than three months (or less than 90 days), the fee is one month's interest.
For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
For terms over 12 months through 24 months, the fee is six months' interest.
For terms over 24 months, the fee is 12 months' interest.

Share Savings Rates Effective: 4/6/20

Current Consumer Credit Card Interest Rates

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

Credit Card	APR*
Better Rewards Visa® Credit Card	11.99%
Better Rate Visa® Credit Card or Secured Visa® Credit Card	10.49%

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*APR - Annual Percentage Rate. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.

Current Home Equity Interest Rates

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

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%

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Home Equity - 7 Year Term

Credit Tier	1	2	3
<70% CLTV	5.00%	5.25%	5.75%
70-79.9% CLTV	5.50%	5.75%	6.25%
80-89.9% CLTV	5.75%	6.00%	6.50%

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Home Equity - 10 Year Term

Credit Tier	1	2	3
<70% CLTV	5.25%	5.50%	6.00%
70-79.9% CLTV	5.50%	5.75%	6.25%
80-89.9% CLTV	5.75%	6.00%	6.50%

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Home Equity - 6 Year Balloon***

Credit Tier	1	2	3
up to 90% CLTV	5.75%	6.00%	6.50%

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

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HELOC (Variable)

Credit Tier	1	2	3
up to 80% CLTV	4.50%	4.50%	4.75%
81-90% CLTV	4.50%	4.50%	5.00%

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