 |
Rates |
 |
 |
Autos - Model years 2008 and Newer
| Credit Tier |
1
APR*
|
2
APR*
|
3
APR*
|
4
APR*
|
5
APR*
|
|
Up to 60 Months
|
5.25
|
5.75
|
7.25
|
11.25
|
13.25
|
|
Up to 72 months
|
5.90
|
6.40
|
7.90
|
11.90
|
13.90
|
|
Up to 84 Months (0ver $25K)
|
7.00
|
7.50
|
n/a
|
n/a
|
n/a
|
Autos - Model years 2004 to 2007
| Credit Tier |
1
APR*
|
2
APR*
|
3
APR*
|
4
APR*
|
5
APR*
|
|
Up to 60 Months
|
5.50
|
6.00
|
7.50
|
11.50
|
13.50
|
|
Up to 72 Months (Over $25k)
|
6.50
|
|
n/a
|
n/a
|
n/a
|
Autos - Model years 2003 and older
| Credit Tier |
1
APR*
|
2
APR*
|
3
APR*
|
4
APR*
|
5
APR*
|
|
Up to 36 Months
|
7.50
|
8.00
|
9.50
|
13.50
|
15.50
|
|
Up to 48 Months (Over $10k)
|
7.75
|
8.25
|
n/a
|
n/a
|
n/a
|
Recreational Vehicles
| Credit Tier |
1
APR*
|
2
APR*
|
3
APR*
|
4
APR*
|
5
APR*
|
|
Up to 36 Months
|
5.95
|
6.45
|
7.95
|
11.95
|
|
|
Up to 60 Months
|
6.25
|
6.75
|
8.25
|
12.25
|
14.25
|
|
Up to 72 Months
|
6.75
|
7.25
|
8.75
|
12.75
|
14.75
|
|
Up to 84 Months (Over $25k)
|
7.75
|
8.25
|
n/a
|
n/a
|
n/a
|
Recreational Vehicles - Variable Rate
| Credit Tier |
1
APR*
|
2
APR*
|
3
APR*
|
4
APR*
|
5
APR*
|
|
Up to 120 Months
|
4.00
|
4.00
|
4.11
|
8.11
|
10.11
|
*APR = Annual Percentage Rate. Your loan interest rate will be determined by your credit score. The numbered tiers shown represent credit score ranges, from highest to lowest. The specific rate will be set at the time of loan application review.
Go To Loan Application | Go To Calculators | Back to Top
|
Loans
|
Rate
|
APR*
|
Term
|
|
Share Secured
|
5.00
|
5.00
|
n/a
|
|
Visa Platinum Credit Card
|
7.50
|
7.50
|
n/a
|
|
Visa Classic Credit Card
|
10.00
|
10.00
|
n/a
|
|
Signature Line of Credit - Variable
|
11.90
|
11.90
|
36
|
|
Signature Line of Credit - Fixed
|
15.00
|
15.00
|
36
|
|
DrafTopper Line of Credit
|
15.00
|
15.00
|
n/a
|
|
Home Improvement
|
6.50
|
6.50
|
36
|
|
Home Improvement
|
7.00
|
7.00
|
60
|
|
Home Improvement
|
8.00
|
8.00
|
84
|
|
Home Equity - Fixed Rate - 80% LTV
|
6.50
|
6.50
|
180**
|
|
Home Equity - Fixed Rate - 90% LTV
|
7.50
|
7.50
|
180**
|
|
Home Equity - Fixed Rate - 100% LTV
|
8.50
|
8.50
|
180**
|
|
Home Equity - Variable Rate LOC 80% LTV
|
5.00
|
5.00
|
36
|
|
Home Equity - Variable Rate LOC 90% LTV
|
5.50
|
5.50
|
36
|
|
Home Equity - Variable Rate LOC 100% LTV
|
6.00
|
|
36
|
|
Residential Lot Loans - 80% LTV term 15 years due in 5
|
6.25
|
6.25
|
180
|
|
Residential Lot Loans - 90% LTV term 15 years due in 5
|
6.75
|
6.75
|
180
|
|
Residential Lot Loans - 100% LTV term 15 years due in 5
|
7.25
|
7.25
|
180
|
*APR = Annual Percentage Rate. Unless noted, all rates are fixed rate. Variable rates are subject to change at the end of each calendar quarter. Some fees may apply on Home Improvement and Home Equity loans. See our Fee Schedule for details, then talk to our loan staff.
** Loans amortized up to 180 months. Balloon payment is due in five years, which can be refinanced with another advance.
Go To Loan Application | Go To Calculators | Back to Top
|
Mortgage Type
|
Rate
|
Points*
|
|
30 Year Fixed Rate
|
4.875
|
0
|
|
20 Year Fixed Rate
|
4.625
|
0
|
|
15 Year Fixed Rate
|
4.25
|
0
|
|
10 Year Fixed Rate
|
3.875
|
0
|
|
1 Year Adjustable Rate
|
n/a
|
0
|
|
South Dakota Housing 30 Year Fixed Rate
|
4.75
|
1
|
|
South Dakota Housing 30 Year Step Rate
|
3.75
|
1
|
|
South Dakota Housing 30 Year Fix Rate Plus Option
|
|
1
|
|
FHA / VA 30 Year Fixed Rate
|
4.875
|
0
|
|
FHA / VA 15 Year Fixed Rate
|
4.25
|
0
|
*Discount points may apply based on the average credit score of the borrower and co-borrower and type of program selected.
Add 1/4% for loans less than $72,500. This rate sheet is intended for members of Sioux Falls Federal Credit Union only. This information in no way implies loan approval or rate guarantee. All rates are subject to change without prior notice. Rates shown are for a 45 to 60 day lock. Rates with a 30 day lock are sometimes lower -- call our Mortgage staff for a quote.
Go To Loan Application | Go To Calculators | Back to Top
|
Loan Type
|
Term
|
Rate*
|
|
Operating Lines Of Credit
|
1 Year, Monthy
Interest Payments
|
Call Us
|
|
Agricultural Operating Line Of Credit
|
1 Year, Semi-Annual
Interest Payments
|
Call Us
|
|
Term-Real Estate Purchases, Refinances
|
Up to 25 Years -- 5 Year Rate Guarantee
|
Call Us
|
|
Term-Equipment Purchase/
Working Capital
|
Up to 10 Years -- 5 Year Rate Guarantee
|
Call Us
|
*Rate is based upon financial strength and collateral position. Small Business Administration (SBA) guaranteed financing available; call for terms and rates.
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|
Savings
|
Minimum Balance
|
Dividend Rate
|
APY*
|
Term
|
|
Regular, Special and Christmas Club Shares
|
$50
|
0.30
|
0.30
|
n/a
|
|
Super Share Money Market - Tier 1
|
$1,000
|
0.30
|
0.30
|
n/a
|
|
Super Share Money Market - Tier 2
|
$2,500
|
0.35
|
0.35
|
n/a
|
|
Super Share Money Market - Tier 3
|
$10,000
|
0.60
|
0.60
|
n/a
|
|
Super Share Money Market - Tier 4
|
$25,000
|
0.80
|
0.80
|
n/a
|
|
Super Share Money Market - Tier 5
|
$50,000
|
1.00
|
1.00
|
n/a
|
|
Super Share Money Market - Tier 6
|
$100,000
|
1.25
|
1.26
|
n/a
|
|
Health Savings Account - Tier 1
|
$0
|
0.15
|
0.15
|
n/a
|
|
Health Savings Account - Tier 2
|
$1,000
|
0.30
|
0.30
|
n/a
|
|
Health Savings Account - Tier 3
|
$2,500
|
0.50
|
0.50
|
n/a
|
|
Individual Retirement Account - Tier 1
|
$0
|
0.30
|
0.30
|
n/a
|
|
Individual Retirement Account - Tier 2
|
$2,500
|
0.35
|
0.35
|
n/a
|
|
Individual Retirement Account - Tier 3
|
$10,000
|
0.60
|
0.60
|
n/a
|
|
Individual Retirement Account - Tier 4
|
$25,000
|
0.80
|
0.80
|
n/a
|
|
Individual Retirement Account - Tier 5
|
$50,000
|
1.00
|
1.00
|
n/a
|
|
Individual Retirement Account - Tier 6
|
$100,000
|
1.25
|
1.26
|
n/a
|
|
Consumer Checking
|
$2,000
|
0.10
|
0.10
|
n/a
|
|
Business Checking - Tier 1
|
$2,000
|
0.10
|
0.10
|
n/a
|
|
Business Checking - Tier 2
|
$25,000
|
0.50
|
0.50
|
n/a
|
|
Business Checking - Tier 3
|
$50,000
|
0.70
|
0.70
|
n/a
|
|
Business Checking - Tier 4
|
$100,000
|
0.85
|
0.85
|
n/a
|
*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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|
Certificate Terms
|
Minimum Deposit
|
Dividend Rate
|
APY*
|
Term
|
|
3 Month Share Certificate
|
$2,500
|
0.75
|
0.75
|
3
|
|
6 Month Share Certificate
|
$2,500
|
1.25
|
1.26
|
6
|
|
1 Year Share Certificate
|
$500
|
1.40
|
1.41
|
12
|
|
1 Year Jumbo Share Certificate
|
$10,000
|
1.65
|
1.66
|
12
|
|
18 Month Share Certificate
|
$500
|
1.80
|
1.81
|
18
|
|
2 Year Share Certificate
|
$500
|
2.00
|
2.02
|
24
|
|
3 Year Share Certificate
|
$500
|
2.35
|
2.37
|
36
|
|
4 Year Share Certificate
|
$500
|
2.50
|
2.52
|
48
|
|
5 Year Share Certificate
|
$500
|
2.85
|
|
60
|
*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.
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|
|
|
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|
