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When it comes to an important investment like a home, who would you rather trust with your mortgage needs: a big, anonymous lender or the personal, professional staff at your own not-for-profit credit union?

With Sioux Falls Federal Credit Union on your side, you'll get excellent loan terms, best-possible rates and friendly, local service. We’re here to make you feel at home with:

  • Conventional home loans from 10 to 30 years
  • One year adjustable rate loans, or 5 and 7 year balloon loans
  • SD Housing first-time buyers programs
  • VA, FHA and Rural Development loans
  • Residential lot loans
  • Construction loans

No matter which plan you choose, you will enjoy exclusive member benefits like:

  • Competitive low rates
  • Some of the lowest loan fees in the market, saving you hundreds of dollars
  • Sound advice, plain language explanations and keeping you informed throughout the process

We're One of South Dakota's Top First Time Homebuyer Lenders

Now is the time to buy your first home.  This is the place to get financing.

The inventory for starter homes in our area is limited.  That's why it's important for you to know that we have an underwriter on staff so we can make fast, local decisions with no outsourcing.

Plus, we charge less for origination fees than anyone in town.

So, if you're paying 1% origination, you're paying too much.

More Options.  Lower Fees.  Lower Rates.  Better Service.

Now is the time to call!


Mortgage Calculator

Our Mortgage Calculators can help you determine what fits your budget, when it pays to refinance, or what converting to bi-weekly payments will save you.