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Your savings account at Dakota Plains FCU is your primary savings tool. This account provides a good place to start saving while you enjoy the many other benefits, products and services that are associated with your membership.

The only requirement to maintaining an active membership in Dakota Plains Federal Credit Union is to keep two shares at a value of $5.00 each ($10.00) in a regular savings account. With this you are also entitled to one vote per membership at our annual meeting.

So, kick back and relax, while your money grows with dividends paid quarterly on your savings account.

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Your Savings Are Secure!

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency More Information



Money Market Account

Time is money! We let you make good use of both. If you don’t want to tie up all your funds in a certificate and want an account that will yield a competitive interest rate, this is the account for you! Dakota Plains FCU offers a Money Market Account that offers you the flexibility you want and a better return on your money.

Requirements for money market accounts are:

  • Minimum balance of $1,000.00
  • Dividends are compounded and paid monthly
  • Checks can be used on this account – maximum of 3 per month

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An individual Retirement Account (IRA) is a type of savings to give consumers a tax-advantage incentive to save for retirement and education. With the passage of the Taxpayer Relief Act of 1997, there are now three types of IRA’s available to consumers. The three types of IRA’s are the Traditional IRA, the Roth IRA and the Education IRA. Each has unique characteristics and specific eligibility requirements. All three are available at Dakota Plains Federal Credit Union.

A brief description of each IRA type is outlined below:

  • Traditional IRA
    These accounts are still available to anyone under the age of 70 who has income from compensation. The maximum contribution for 2009 is $5000 per year and $6000 per year if over the age of 50. Penalty free withdrawals continue to be available for IRA owners who reach the age 59 1/2, become disabled or have qualifying medical expenses.
  • Roth IRA
    This new IRA does not allow contributions to be tax deductible. However, withdrawals from a Roth IRA may be tax-free. Withdrawals from a Roth IRA are tax and penalty free as long as the account has been open for at least five years and you are either over the age of 59 1/2, disabled or buying a first home.
  • Education IRA
    Starting January 1, 1998, parents and other interested persons may be able to establish an Educational IRA for a child under the age of 18. Contributions to the account will not be tax deductible, but the earnings will be tax-free if used for qualified higher education expenses. Contributions cannot exceed $2,000.00 per child per year. If parents, grandparents and others have set up an account for the same child, their contributions cannot exceed $2,000.00 per child per year. Careful tracking is important to avoid possible penalties.

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Pee Wee Penguin – Young Savers Club

The Pee Wee Penguin Club is a savings account offered to youth ages newborn to thirteen years. The savings account pays one percent higher interest than a regular savings account and interest is paid and compounded quarterly. Interest is earned on a minimum of $25 and the maximum is $2,500. It only take $10 to open a Pee Wee Penguin account. it also helps to teach your child to save responsibly and how to manage money at a young age. Your child can watch their money grow effectively and efficiently toward a brighter future.

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Christmas Club

Don’t let the money bah-humbugs get you down! We provide a Christmas Club Account that takes the worries out of our seasonal spending. Just add a few dollars every month and watch your money grow. Enjoy the exclusive incentives that are paid at term. Contact your local Dakota Plains FCU for more specific details.



CU Succeed

CU Succeed is a program designed for those members between the ages of 13 to 19, to provide information and guidance through the financial transitions into adulthood.

Benefits for CU Succeed members:

  • One free box of share drafts per year. (CU Succeed check design only)
  • Exclusive Dividend Rate for CU Succeed Savings
  • CU Succeed quarterly newsletter
  • Exclusive Certificate of Deposit Rates

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Share Certificates

If you’re looking for an investment plan that will offer a competitive rate but are afraid to tie up your investments for too long, a certificate may be just what you need. Dakota Plains FCU has a variety of certificates designed to meet your financial needs. We offer certificates with maturities of 3-6 month, 1-5 year with a minimum deposit of $250.00 on the 3-6 month and $100.00 on 1-5 year. Rates are based on the amount deposited into the certificate. We also have a child add-on certificate, limited add on amount is $20.00 per transaction.  There is a penalty of 30-days of interest for early withdrawal, on a 3 & 6 month certificate, and a penalty of 90 days of interest on a 1-5 year certificate.

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VISA® Card And VISA® Platinum

“It’s everywhere you want to be.” Get yourself a VISA® credit card with the credit union. We offer a competitive rate plus you will enjoy the convenience of making your payment right in your local credit union office, no more mail time, and if there is a problem with your credit card you will be able to deal with real people, in person. Start your purchasing power with a Dakota Plains Federal Credit Union VISA®. Why not bring your business “home.”

  • Accepted worldwide
  • Instant cash access
  • No annual fee
  • Rates as low as 8.99% based on credit history, other rates may apply.
  • 25 day grace period to repay your purchases balance before being charged a finance charge
  • No minimum finance charge
  • No transaction fee for purchases or cash
  • View VISA® online

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Share Draft (Checking Account)

Are you looking for a share draft (checking account) that is convenient and easily accessible? If so, this is the account for you. Dakota Plains FCU offers an account to meet all our member’s financial needs. Our members can use the checking account as a personal or business account. Benefits of our checking account are:

  • NO minimum balance
  • Unlimited check writing with no per check charge
  • NO monthly service fee
  • Overdraft loan protection (upon approval)
  • Overdraft transfer from another account
  • Dividends paid on average monthly balances above $2,500.00

Check images can be returned with statements (fee may apply), visible on line or truncated.

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Debit Card

Our debit card is a VISA® product. “It’s everywhere you want to be.” You will be able to make transactions with this handy tool just as you would with a credit card however; the transaction amount is debited from your checking account just as if you have written a check. This means you make purchases without the hassle of writing a check.

  • Accepted worldwide
  • Instant cash access
  • No annual fee
  • No transaction fee for purchases or cash
  • Requires an active checking account
Lemmon Office
519 Main Ave
PO Box 389
Lemmon, SD 57638
Phone: 605-374-3380
Fax: (888) 886-7741
Bison Office
120 W. Main
PO Box 220
Bison, SD 57620
Phone: 605-244-7155
Fax: (888) 886-7741
Hettinger Office
221 S. Main
PO Box 1020
Hettinger, ND 58639
Phone: 701-567-2153
Fax: (888) 886-7741
Pierre Office
1525 N. Garfield Ave.
Pierre, SD 57501
Phone: 605-224-4844
Fax: (888) 886-7741
Faith Office
107 Main St. S
PO Box 549
Faith, SD 57626
Phone: 605-967-2380
Fax: (888) 886-7741
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