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Consumer Loans Home Mortgages Business Loans Savings Regulars & IRA Certificates

 

Auto & Recreational Vehicles 

Autos - Model Years 2008 and Newer

Credit Tier 1 2 3 4 5
Up to 60 Months 2.49% 2.99% 5.99% 9.99% 11.99%
61 to 72 Months 2.99% 3.49% 6.49% 10.49% 12.49%
73 to 84 Months (2012 and newer only) 3.49% 3.99% 6.99% 10.99% 12.99%
           

Autos - Model Years 2007 and Older

Credit Tier 1 2 3 4 5
Up to 36 Months 4.49% 4.99% 7.99% 11.99% 13.99%
37 to 48 Months 4.99% 5.49% 8.49% 12.49% 14.49%
49 to 60 Months 5.49% 5.99% 8.99% 12.99% 14.99%
           

Recreational Vehicles 2008 and Newer

Credit Tier 1 2 3 4 5
Up to 60 Months 2.99% 3.49% 5.99% 9.99% 11.99%
61 to 72 Months 3.49% 3.99% 6.49% 10.49% 12.49%
73 to 84 Months (2012 and newer only) 3.99% 4.49% 6.99% 10.99% 12.99%
           

Recreational Vehicles 2007 and Older

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

Recreational Vehicles - Variable

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

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. 

* Auto & Recreational Rates are effective as of April 1, 2014

**APR - Annual Percentage Rate


Consumer Loans 

Loans APR*      Term
Share Pledged - current dividend rate plus amt. shown at right 3.00%   n/a
Visa Better Rewards Credit Card - Variable 11.99%   n/a
Visa Better Rate Card - Variable 10.49%   n/a
DrafTopper Line of Credit 18.00%   n/a

Term Signature Loan - Fixed - $300.00 minimum loan
Credit Tier 1 2 3 4 5
12 months 8.00% 8.50% 11.00% 15.00% 17.00%
24 months 8.50% 9.00% 11.50% 15.50% 17.50%
36 months 9.50% 10.00% 12.50% 16.50% 18.00%

Personal Line of Credit Loan - Variable - $2,500.00 minimum LOC
Credit Tier 1 2 3 4 5
Revolving with a 2 year renewal 8.25% 8.75% 9.25% 13.25% 15.25%


 *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 Equity Loans. See our Fee Schedule for details, then talk to one of our Member Service Officers.

Loan Calculator


Home Mortgages 4/15/2014 

Mortgage Type APR*       Points** 
30 Year Fixed Rate 4.375%   0
30 Year Fixed Rate 4.25%   .125
20 Year Fixed Rate 4.25%   0
20 Year Fixed Rate 4.125%   .125
15 Year Fixed Rate 3.375%   0
15 Year Fixed Rate 3.25%   .875
10 Year Fixed Rate 3.375%   0
South Dakota Housing 30 Year Without Discount  3.875%   0
South Dakota Housing 30 Year Fixed Rate Plus Option  4.375%   0
FHA / VA 30 Year Fixed Rate  3.75%   0
FHA / VA 15 Year Fixed Rate  3.25%   0
       
Mortgage Type APR*       Term (Months) 
Residential Lot Loans 80% LTV term 15 years 6.75%   180
Construction Loans 2.99%   6
       

Home Equity

Mortgage Type APR*       Term (Months) 
Home Equity 80% LTV 5.50%   84
Home Equity 80% LTV 6.00%   120
Home Equity 80% LTV 5.25%   180***
Home Equity 90% LTV 6.50%   180***
Home Equity Line of Credit 80% LTV - Variable 5.00%   180
Home Equity Line of Credit 90% LTV - Variable 5.50%   180

*APR - Annual Percentage Rate

**Discount points may apply based on the average credit score of the borrower and co-borrower and type of program selected.

***15-year term with a 6-year balloon. 

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. 

Mortgage Calculator


Business Loans 

Loan Type Term APR
Operating Lines of Credit 1 Year, Monthly 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

Small Business Administration (SBA) guaranteed financing available; call for terms and rates.

Loan Calculator


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  0.10%  0.10%   n/a
Super Share Money Market - Tier 2  $2,500  0.10%  0.10%   n/a
Super Share Money Market - Tier 3 $10,000  0.10%  0.10%   n/a
Super Share Money Market - Tier 4  $25,000  0.15%  0.15%   n/a
Super Share Money Market - Tier 5 $50,000  0.20%  0.20%   n/a
Super Share Money Market - Tier 6  $100,000  0.25%  0.25%   n/a
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  0.15%  0.15%   n/a
Individual Retirement Account - Tier 1  $0  0.10%  0.10%   n/a
Individual Retirement Account - Tier 2 $2,500  0.10%  0.10%   n/a
Individual Retirement Account - Tier 3 $10,000  0.10%  0.10%   n/a
Individual Retirement Account - Tier 4 $25,000  0.15%  0.15%   n/a
Individual Retirement Account - Tier 5 $50,000  0.20%  0.20%   n/a
Individual Retirement Account - Tier 6 $100,00  0.25%  0.25%   n/a
Consumer Checking  $2,000  0.05%  0.05%   n/a
Business Checking - Tier 1  $2,000  0.05%  0.05%   n/a
Business Checking - Tier 2  $25,000  0.10%  0.10%   n/a
Business Checking - Tier 3 $50,000  0.15%  0.15%   n/a
Business Checking - Tier 4 $100,000  0.20%  0.20%   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. 

Savings Calculators


Regular & IRA Share Certificates

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 Month Share Certificate $2,500 0.15% 0.15% 3
6 Month Share Certificate $2,500 0.20% 0.20% 6
1 Year Share Certificate $500 0.25% 0.25% 12
1 Year Jumbo Share Certificate $10,000 0.35% 0.35% 12
18 Month Share Certificate $500 0.40% 0.40% 18
2 Year Share Certificate $500 0.50% 0.50% 24
3 Year Share Certificate $500 1.00% 1.00% 36
4 Year Share Certificate $500 1.10% 1.11% 48
5 Year Share Certificate $500 1.30% 1.31% 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.

Savings Calculators