Rates

We know rates are important. That's why we do our best to keep your rates as low as possible.

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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 2012 and Newer

Credit Tier 1 2 3 4 5
Up to 36 Months 2.99% 3.49% 5.99% 9.99% 11.99%
37 to 60 Months 3.79% 4.29% 6.79% 10.79% 12.79%
61 to 72 Months 4.29% 4.79% 7.29% 11.29% 13.29%
73 to 84 Months
(2016 and newer only)
4.79% 5.29% 7.79% 11.79% 13.79%

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Autos - Model Years 2011 and Older

Credit Tier 1 2 3 4 5
Up to 24 Months 4.99% 5.49% 7.99% 11.99% 13.99%
25 to 36 Months 5.49% 5.99% 8.49% 12.49% 14.49%
37 to 48 Months 5.99% 6.49% 8.99% 12.99% 14.99%
49 to 60 Months 6.49% 6.99% 9.49% 13.49% 15.49%

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Driving Sense Auto Loans*** - 2013 and Newer

Credit Tier 1 2 3 4 5
Up to 60 Months 4.79% 5.29% 7.79% n/a n/a
61-72 Months 5.29% 5.79% 8.29% n/a n/a

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Recreation Vehicles 2012 and Newer

Credit Tier 1 2 3 4 5
Up to 36 Months 3.49% 3.99% 6.49% 10.49% 12.49%
37 to 60 Months 3.99% 4.49% 6.99% 10.99% 12.99%
61 to 72 Months 4.49% 4.99% 7.49% 11.49% 13.49%
73 to 84 Months 4.99% 5.49% 7.99% 11.99% 13.99%

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Recreation Vehicles 2011 and Older

Credit Tier 1 2 3 4 5
Up to 24 Months 5.49% 5.99% 8.49% 12.49% 14.49%
25 to 36 Months 5.99% 6.49% 8.99% 12.99% 14.99%
37 to 48 Months 6.49% 6.99% 9.49% 13.49% 15.49%
49 to 60 Months 6.99% 7.49% 9.99% 13.99% 15.99%

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Recreation Vehicles - Variable

Credit Tier 1 2 3 4 5
Up to 180 Months 7.25% 7.75% 8.75% 12.25% 14.25%

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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.

* Auto & Recreational Rates are effective as of October 1, 2018.

**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 13.99% n/a
Visa Better Rate Card - Variable 12.49% 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 10.25% 10.75% 11.25% 15.25% 17.25%

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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.

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 11/13/2018

Mortgage Type Rate APR*
30 Year Fixed Rate 4.875% 4.995%
20 Year Fixed Rate 4.750% 4.912%
15 Year Fixed Rate 4.250% 4.454%
10 Year Fixed Rate 4.250% 4.543%
South Dakota Housing 30 Year FHA 4.500% 4.746%
South Dakota Housing 30 Year FHA Fixed Rate Plus 4.750% 5.000%
FHA 30 Year Fixed Rate 4.375% 4.633%
FHA 15 Year Fixed Rate 3.875% 4.323%
VA 30 Year Fixed Rate 4.375% 4.761%
VA 15 Year Fixed Rate 4.000% 4.671%
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.

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 0.05% 0.05%
Tier 2 $25,000 0.10% 0.10%
Tier 3 $50,000 0.15% 0.15%
Tier 4 $100,000 0.20% 0.20%

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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:  9/10/2018

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  0.15% 0.15% n/a
Super Share Money Market - Tier 3 $10,000 - $24,999.99  0.20% 0.20% n/a
Super Share Money Market - Tier 4 $25,000 - $49,999.99  0.40% 0.40% n/a
Super Share Money Market - Tier 5 $50,000 - $99,999.99 0.50% 0.50% n/a
Super Share Money Market - Tier 6 $100,000 and up 0.75% 0.75% n/a

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Regular & IRA Share Certificates

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 Month Share Certificate $2,500 0.65% 0.65% 3
6 Month Share Certificate $2,500 0.85% 0.85% 6
1 Year Share Certificate $500 1.10% 1.10% 12
18 Month Share Certificate $500 1.30% 1.31% 18
2 Year Share Certificate $500 1.40% 1.41% 24
3 Year Share Certificate $500 1.50% 1.51% 36
4 Year Share Certificate $500 1.75% 1.76% 48
5 Year Share Certificate $500 2.00% 2.02% 60

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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.

Share Savings Rates Effective: 11/1/2018

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 0.15% 0.15% n/a
Individual Retirement Account - Tier 3 $10,000 - $24,999.99 0.20% 0.20% n/a
Individual Retirement Account - Tier 4 $25,000 - $49,999.99 0.40% 0.40% n/a
Individual Retirement Account - Tier 5 $50,000 - $99,999.99 0.50% 0.50% n/a
Individual Retirement Account - Tier 6 $100,000 and up 0.75% 0.75% n/a

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Regular & IRA Share Certificates

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 Month Share Certificate $2,500 0.65% 0.65% 3
6 Month Share Certificate $2,500 0.85% 0.85% 6
1 Year Share Certificate $500 1.10% 1.10% 12
18 Month Share Certificate $500 1.30% 1.31% 18
2 Year Share Certificate $500 1.40% 1.41% 24
3 Year Share Certificate $500 1.50% 1.51% 36
4 Year Share Certificate $500 1.75% 1.76% 48
5 Year Share Certificate $500 2.00% 2.02% 60

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

Share Certificate Rates Effective: 11/1/2018

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 0.05% 0.05% n/a
Health Savings Account - Tier 2 $1,000 0.05% 0.05% n/a
Health Savings Account - Tier 3 $2,500 0.10% 0.10% n/a

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Health Savings Account rates effective:  9/10/2018

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 0.15% 0.15% n/a
Super Share Money Market - Tier 3 $10,000.01 - $25,000 0.20% 0.20% n/a
Super Share Money Market - Tier 4 $25,000.01 - $50,000 0.40% 0.40% n/a
Super Share Money Market - Tier 5 $50,000.01 - $100,000 0.50% 0.50% n/a
Super Share Money Market - Tier 6 over $100,000 0.75% 0.75% n/a

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Regular Share Certificates

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 Month Share Certificate $2,500 0.65% 0.65% 3
6 Month Share Certificate $2,500 0.85% 0.85% 6
1 Year Share Certificate $500 1.10% 1.10% 12
18 Month Share Certificate $500 1.30% 1.31% 18
2 Year Share Certificate $500 1.40% 1.41% 24
3 Year Share Certificate $500 1.50% 1.51% 36
4 Year Share Certificate $500 1.75% 1.76% 48
5 Year Share Certificate $500 2.00% 2.02% 60

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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.

Share Savings Rates Effective: 11/1/2018

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  13.99%
Better Rate Visa® Credit Card or Secured Visa® Credit Card 12.49%

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*APR - Annual Percentage Rate. Variable rates are subject to change at the end of each calendar quarter.