Loan Rates

Loan Rates

Vehicle   |   Personal   |   Commercial   |   Real Estate

 

Vehicle and Sport Utility Loans

Effective: JANUARY 9, 2015
Loan Type Re-payment Terms APR* As low as Conditions/Notes
New Vehicles Up to 36 monthsUp to 48 months 2.44%2.74%              Rates  shown can be  REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”.  $15,000 minimum loan on 61-72 mo. loans.  $25,000 minimum on 73-84 mo. loans.  With discount, rates range from 2.19% to 8.00% based on credit history.
49 to 60 months 2.99%
61 to 66 months 3.24%
72 – 74 months75 – 84 months 3.74%4.49% – 5.74%             
Used Vehicles Up to 36 monthsUp to 48 months 2.44%2.74% With discount, rates range from 2.19% to 8.00% based on credit history.
49 to 72 months 2.99%-3.74%
New Boats Up to 144 months 3.99%-8.89% Must be current model year or no older than 1 model year and previously unregistered.  With discount, rates range from 3.99% to 8.89% based on credit history.
Used Boats Up to 144 months 3.99%-8.89% Rates range from 3.99% to 8.89% based on credit history.
New RV’s Up to 144 months 3.99% Must be current model year or no older than 1 model year and previously unregistered.  With discount, rates range from 3.99% to 8.89% based on credit history.
Used RV’s Up to 144 months 3.99% Rates range from 3.99% to 8.89% depending on credit history.
New Motorcycles Up to 72 months 5.25% Rates shown may be REDUCED by a .25% discount for autopay OR 90% LTV or less.Must be current model year or no older than 1 model year and previously unregistered.  With discount, rates range from 5.00% to 11.50% based on credit history.
Used Motorcycles Up to 36 months 5.25% With discount, rates range from 5.00% to 11.50% based on credit history.
37 to 60 months 5.50%-5.75%
New Snowmobile/ Watercraft/ATV’s/Utility Trailers/Rider Lawn Mowers Up to 60 months 5.25% Rates shown may be REDUCED by a .25% discount for autopay OR 90% LTV or less.Must be current model year or no older than 1 model year and previously unregistered.  With discount, rates range from 5.00% to 14.75% based on credit history.
Used Snowmobile/ Watercraft/ATV’s Up to 36 months 5.25% With discount, rates range from 5.00% to 14.75% based on credit history.
37 to 60 months 5.50%

 

 

Personal Loans

Effective: SEPTEMBER 5, 2011
Loan Type Re-payment Terms APR* As low as Conditions/Notes
Personal Loans Up to 36 months 8.99% Unsecured credit.  Rates range from 8.99% to 18.00% based on credit history.
Secured Personal Loans Up to 36 months 3.65% 100% Secured credit.
Share Secured Varies 2.00% over dividend rate Rate is 3.00% if loan is $5,000 or less.
Share Certificate Secured Varies 2.00% over certificate rate Rate is 3.00% if loan is $5,000 or less.
Overdraft Protection Up to 12 months 18.00% Apply for an Overdraft Protection Loan (ODP).  ODP is a loan with approved credit limit of ($500-$1000) connected to your share checking account.
Visa® Platinum Credit Card Varies 8.99% 2.5% of balance or $25 minimum monthly payment. Rates range from 8.99% to 12.5% based on credit history.

 

 

Commercial Loans

Effective: APRIL 14, 2014
Loan Type Repayment Terms APR* As low as… Conditions/Notes
Ag Operating Up to 1 year 4.40%/V 4.85%/F For all your operational needs.
Ag Equipment + Livestock Renewable up to 36 months 4.40%/V 4.85%/F For all your equipment purchases and livestock needs.
Commercial Operating Up to 1 year 4.40%/V 4.75%/F For all your commercial line-of-credit needs.
Commercial Term Renewable up to 36 months 4.40%/V 4.85%/F For all your long-term commercial needs.

 

Real Estate Loans

Effective: APRIL 14, 2014
Loan Type Repayment Terms APR* As low as Conditions/Notes
Real Estate Secured Varies 3.50% See your Loan Officer for your particular needs.  Options to 30 year amortization.  WE ALSO OFFER LOANS FOR MANUFACTURED HOUSING

*APR = Annual Percentage Rate As low as = Your actual rate is determined by your credit history.

OUR LOCATIONS:

 

Lemmon Office
519 Main
PO Box 389
Lemmon, SD 57638
Phone: 605-374-3380
Fax: 605-374-3181
Bison Office
120 W. Main
PO Box 220
Bison, SD 57620
Phone: 605-244-7155
Fax: 605-244-7159
Hettinger Office
221 S. Main
PO Box 1020
Hettinger, ND 58639
Phone: 701-567-2153
Fax: 701-567-4692
Pierre Office
120 W. Sioux Ave.
PO Box 7145
Pierre, SD 57501
Phone: 605-224-4844
Fax: 605-224-6066
Faith Office
107 Main
PO Box 549
Faith, SD 57626
Phone: 605-967-2380
Fax: 605-967-2383

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