Risk-Based | Savings | Certificates

Line of Credit***
Overdraft Protection 

Click here to see the list of Participating Auto Dealers that are set up to do Dakota Star Federal Credit Union's loans on the spot.

Automobiles-New & Nearly New ( 2009, 2008 & 2007 )

Used Autos (2008, 2007 & 2006)

Vehicles with 100,000 miles or more - maximum term not to exceed 36 months

Used Autos (2005, 2004, 2003 & 2002)

60 Months -  minimum amount financed $12,000.00 or more

Vehicles with 100,000 miles or more - maximum term not to exceed 36 months

Used Autos 2001 & 2000

Vehicles with 100,000 miles or more - maximum term not to exceed 36 months

Used Autos  - 1999 & Older

Vehicles with 100,000 miles or more - maximum term not to exceed 36 months

Classic Cars 1988- Older (Completely restored)

Vehicles with 100,000 miles or more - maximum term not to exceed 36 months

Lower Payment Option -

Lower Payment Option-Used

Loan Payment Example:  At 6.50% annual percentage rate (APR) for a 60 month term with $0.00 down, monthly payments are calculated at $19.57 per $1,000.00 borrowed.*

*Not all borrowers will qualify for lowest APR or $0.00 down.  To find out if you qualify, call DSFCU at 605-342-6442 or 1-800-418-0369.

NEW-Motor Homes,Campers,Travel Trailers,5th Wheel, Boats

USED- Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats

NEW Snowmobiles, All Terrain Vehicles, Personal Watercraft

USED Snowmobiles, All Terrain Vehicles, Personal Watercraft

NEW Motorcycles

USED Motorcycles

***CHRISTMAS LOANS***

up to 12 Months    *some restictions may apply

6.95% APR

Signature Loans (Up to $15,000 per Individual)
  Personal Loans

Credit Rating                                                                           Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
12-36 Months	*9.90%	*10.15%	*10.65%	*13.90%	*18.00%
37 - 60 Months	*10.40%	*10.65%	*11.15%	*14.40%	*18.00%
some restrictions may apply.

NEW Personal Computers

Credit Rating                                                                          Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
24 Months	*9.90%	*10.15%	*10.65%	*13.90%	*18.00%
36 Months $2,000 to $3,999	*9.90%	*10.15%	*10.65%	*13.90%	*18.00%
48 Months $4,000 and Over	*9.90%	*10.15%	*10.65%	*13.90%	*18.00%

Shared Secured Loans-95% of Share Balance  

Credit Rating	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
6.50 % APR

Share Certificate Loans - 95% of certificate balance

Credit Rating	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
2.25 % above Certificate Rate

Credit Card - Visa (* Payments based on 2.0% of the outstanding balance)

Credit Rating	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
PLATINUM *NEW	8.50%	8.75%	9.25%	12.50%	16.75%

Second Mortgages \ Home Improvements 

Credit Rating                                                                                Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
0- 60 Months	6.00%	6.25%	6.75%	10.00%	14.25%
61-120 Months	6.75%	7.00%	7.50%	10.75%	15.00%
121-180 Months	7.25%	7.50%	8.00%	11.25%	15.50%

Home Equity

Credit Rating                                                                                Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
0-60 Months	5.50%	5.75%	6.25%	9.50%	13.75%
61-120 Months	5.74%	5.99%	6.49%	9.74%	13.99%
121-180 Months	6.14%	6.39%	6.89%	10.14%	14.39%

Home Equity Line of Credit (Variable Rate) $200 fee to Increase Original Line of Credit 

Credit Rating                                                                                Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
0 - 180 months	4.00%	4.25%	4.75%	8.00%	12.25%

NOTE:  Interest rates on home equity loans will increase 1% APR on loans with a 90% loan to value ratio based on the appraised or assessed value.

Construction 

Credit Rating                                                                          Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
6 Months   <80% LTV	5.25%	5.50%	6.00%	9.25%	13.25%
6 Months   Between 80% and 90% LTV	6.50%	6.75%	7.25%	10.50%	14.75%

Equipment

Truth in Savings           Rates effective as of  October 28, 2008 and subject to change.  (APY = Annual Percentage Yield)

Savings Dividends will be compounded every quarter.  Dividends will be credited to your account every quarter	Minimum Balance	Dividend Rate	APY*	Term
Membership Share (minimum opening balance - $5.00) You must maintain a minimum average daily balance of $50.00 in your account to obtain the disclosed annual percentage yield.	$5.00	0.25%	0.25%	n/a
Youth Account (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	---------------	1.00%	1.00%	n/a
Rads Account (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	------------	1.00%	1.00%	n/a
Special Share (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	---------------	0.25%	0.25%	n/a
Money Market Account ($0 - $2,499.99) Dividends will be compounded every month.  Dividends will be credited to your account every month.	$0 - $2,499.99	0.25%	0.25%	n/a
Money Market Account ($2,500 - $4,999.99) Dividends will be compounded every month.  Dividends will be credited to your account every month	$2,500 - $4,999.99	1.25%	1.26%	n/a
Money Market Account ($5,000 - $24,999.99) Dividends will be compounded every month.  Dividends will be credited to your account every month	$5,000 - $24,999.99	1.80%	1.81%	n/a
Money Market Account ($25,000 - $49,999.99) Dividends will be compounded every month.  Dividends will be credited to your account every month	$25,000 - $49,999.99	1.95%	1.97%	n/a
Money Market Account ($50,000 - $89,999.99) Dividends will be compounded every month.  Dividends will be credited to your account every month	$50,000 - $89,999.99	2.10%	2.12%	n/a
Money Market Account ($90,000 and over) Dividends will be compounded every month.  Dividends will be credited to your account every month	$90,000+	2.35%	2.38%	n/a
IRA Share (no minimum balance required)  Dividends will be compounded every month.  Dividends will be credited to your account every quarter.	----------------	2.90%	2.94%	n/a
Share Drafts (The minimum balance required to open this account is $25.00)	----------------		0.00%	n/a

*APY = Annual Percentage Yield Back to Top

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
3 Month Certificate	$500.00 minimum	2.05%	2.07%	n/a
3 Month Certificate	$25,000.00	2.20%	2.22%	n/a
6 Month Certificate	$500.00 Minimum	2.25%	2.27%	n/a
6 Month Certificate	$25,000.00	2.35%	2.37%	n/a
9 Month Certificate	$500.00	2.45%	2.47%	n/a
9 Month Certificate	$25,000.00	2.55%	2.57%	n/a
12 Month Certificate **Bumper Rate**  also available for IRA certificate	$500.00 - $24,999.99	2.50%	2.52%	n/a
12 Month Certificate **Bumper Rate**  also available for IRA certificate	$25,000.00 & up	2.60%	2.63%	n/a
12 Month Certificate **Bumper Rate**  also available for IRA certificate	$25,000.00 + Checking	2.70%	2.73%	n/a
18 Month Certificate	$500.00 - $24,999.99	2.50%	2.52%	n/a
18 Month Certificate	$25,000.00 & up	2.60%	2.63%	n/a
18 Month Certificate	$25,000.00 + Checking	2.70%	2.73%	n/a
24 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	2.50%	2.52%	n/a
24 Month Certificate      also available for IRA certificate	$25,000.00 & up	2.60%	2.63%	n/a
24 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	2.70%	2.73%	n/a
36 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	3.10%	3.14%	n/a
36 Month Certificate      also available for IRA certificate	$25,000.00 & Up	3.20%	3.24%	n/a
36 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	3.30%	3.34%	n/a
48 Month Certificate      also avialable for IRA certifivate	$500.00 - $24,999.99	3.15%	3.19%	n/a
48 Month Certificate      also available for IRA certificate	$25,000.00 & Up	3.25%	3.29%	n/a
48 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	3.35%	3.39%	n/a
60 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	3.75%	3.80%	n/a
60 Month Certificate      also available for IRA certificate	$25,000.00 & Up	3.85%	3.91%	n/a
60 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	3.95%	4.01%	n/a

* Plus, we pay higher certificate rates for: * Certificates of $25,000.00 or more * Maintaining a share draft account * Interest is paid and compounded quarterly. * Interest rates are subject to change at any time. * 90 day interest penalty for early withdrawal on 3 month certificates ** 120 day interest penalty for early withdrawal on 6-9 month certificates *** 180 day interest penalty for early withdrawal on 12 - 60 month certificates. ALL SHARES ARE FEDERALLY INSURED TO $250,000.00 BY THE NATIONAL CREDIT UNION ADMINISTRATION, A U.S. GOVERNMENT AGENCY. Your savings are federally insured to $250,000.00 by NCUA (National Credit Union Administration, a U.S. government agency). Your IRA accounts are federally insured for an additional $250,000 by NCUA. IRA accounts may not be pledged. The Dividend Rate and Annual Percentage Yield are the projected rates and yields that the Credit Union anticipates paying for the applicable period. **The checking account needs to be open at the purchase and or renewal of the certificate to recieve this rate. Aditional truth-in-savings terms,conditions and disclosures can be provided. Back to Top

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