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Risk-Based | Savings | Certificates
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Rates effective as of November 1, 2018. All rates are subject to change without notice.
(*APR = Annual Percentage Rate)
Dakota Star Federal Credit Union has a tiered-pricing program. This allows as many members as possible to obtain financing. Individuals rates will be determined by the type and/or age of collateral offered, length of the loan, and credit history. We are here to help and welcome all applications!
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Wanna see our HELOC rates and other information about our HELOC product? Click here.
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 - 2018, 2017 and 2016
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Credit Rating
Loan Calculator
|
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
3.19% |
4.19% |
5.50% |
7.50% |
11.50% |
| 36 Months |
3.30% |
4.30% |
5.75% |
7.75% |
11.75% |
| 48 Months |
3.50% |
4.49% |
5.80% |
7.80% |
11.80% |
| 60 Months |
3.50% |
4.49%
|
5.95% |
7.95% |
11.95% |
| 66 Months |
3.75% |
4.90% |
6.20% |
7.20% |
12.20%
|
| 72 Months |
4.00% |
5.20% |
6.25% |
8.00% |
12.50% |
| 84 Months (2018, 2017 only) |
5.00% |
5.70% |
7.75% |
9.75% |
13.75% |
Minimum amount financed for 84 month term is $25,000.00.
Note: For a 6 month extension of term, add 0.50% interest to the loan rate, with approval.
Loan Payment example: At 3.75% Annual Percentage Rate (APR) for 60 month term with 0% down, monthly payments are calculated at $18.31 per $1,000.00 borrowed
Used Autos - 2015, 2014 and 2013
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
3.50% |
4.49% |
5.70% |
8.00% |
12.00% |
| 36 Months |
3.60% |
4.60% |
5.80% |
8.10% |
12.20% |
| 48 Months |
3.70% |
4.80% |
5.90% |
8.20% |
12.30% |
| 60 Months |
3.75% |
4.85% |
5.95% |
8.35% |
12.35% |
|
66 Months
|
4.00% |
4.95% |
6.00% |
8.40% |
12.45% |
|
72 Months
|
4.10% |
5.10% |
6.10% |
8.50% |
12.50% |
Note: Vehicles with 110,000 miles or more - maximum term not to exceed 36 months
Diesel vehicles with 120,000 miles or more - maximum term not to exceed 48 months
Used Autos - 2012, 2011 and 2010
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 48 Months |
4.10% |
5.10% |
6.10% |
8.50% |
12.60% |
| 60 Months (2012, 2011 only) |
4.20% |
5.20% |
6.20% |
8.60% |
12.50% |
Note: Vehicles with 110,000 miles or more - maximum term not to exceed 36 months
Diesel vehicles with 120,000 miles or more - maximum term not to exceed 48 months
Used Auto - 2009, 2008
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months |
6.10% |
7.20% |
8.20% |
10.70% |
14.70% |
| 48 Months |
6.20% |
7.30% |
8.30% |
10.80% |
14.80% |
Used Autos 2007 - 2004
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months |
6.70% |
7.70% |
8.95% |
10.95% |
14.95% |
| 48 Months (diesel only) |
7.20% |
8.20% |
9.45% |
11.45% |
15.45% |
2003 and older model years will have an unsecured rate.
Note: Vehicles with 110,000 miles or more - maximum term not to exceed 36 months
Diesel vehicles with 120,000 miles or more - maximum term not to exceed 48 months
Classic Cars (Completely restored)
Credit
Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 48 Months |
7.49% |
7.74% |
8.99% |
10.99% |
12.99% |
*Not all borrowers will qualify for lowest APR or $0.00 down. To find out if you qualify, call Dakota Star Federal Credit Union at 605-342-6442 or 1-800-418-0369.
FAMILY FUN LOAN PROMOTION
NEW- USED Motor Homes, Campers, Travel Trailers, 5th Wheel, Boats
Credit Rating
Loan calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months (Up to $2,499) |
5.99% |
7.10% |
8.20% |
10.50% |
14.00% |
| 60 Months ($2,500 to $4,999) |
4.74% |
5.74% |
6.99% |
9.49% |
12.24% |
| 84 Months ($5,000 to $9,999) |
4.49% |
4.74% |
5.24% |
9.24% |
11.24% |
| 96 Months ($10,000 to $14,999) |
4.74% |
4.99% |
5.24% |
9.49% |
11.49% |
| 120 Months ($15,000 to $24,999) |
5.25% |
5.99% |
6.49% |
10.49% |
12.49% |
| 144 Months ($25,000 to $74,999) |
5.74% |
5.99% |
6.49% |
10.49% |
12.49% |
| 180 Months, Motor Homes Only ($75,000 & Over) |
6.99% |
7.24% |
7.74% |
11.74% |
13.74% |
Loan Payment example: At 4.49% Annual Percentage Rate (APR) for a 84 month term with 0% down, monthly payments are calculated at $13.90 per $1,000.00 borrowed.
FAMILY FUN LOAN PROMOTION
NEW & USED ATVs, Snowmobiles and Personal Watercraft
Credit Rating
Loan calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
4.50% |
5.50% |
6.99% |
9.90% |
13.49% |
| 36 Months |
4.15% |
5.15% |
6.39% |
9.90% |
13.49% |
| 48 Months |
3.65% |
4.65% |
5.89% |
9.90% |
13.49% |
| 60 Months (over $10,000.00) |
3.80% |
4.80% |
5.90% |
8.40% |
12.30% |
| 72 Months (over $15,000.00) |
4.40% |
5.40% |
6.50% |
8.90% |
12.90% |
FAMILY FUN LOAN PROMOTION
NEW & USED Motorcycles
Credit
Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months for up to $2,499 |
3.74% |
4.49% |
5.99% |
10.70% |
13.49% |
| 36 Months- 2,500 to $4,999 |
3.74% |
4.49% |
5.99% |
10.70% |
13.49% |
| 48 Months $5,000 to 9,999 |
3.65% |
4.60% |
5.70% |
8.50% |
11.40% |
| 60 Months $10,000 to $14,999 |
3.65% |
4.60% |
5.70% |
8.50% |
11.74% |
| 72 Months $15,000 to $19,999 |
4.15% |
5.10% |
6.10% |
9.00% |
12.74% |
| 84 Months $20,000 and Over |
4.60% |
5.60% |
6.70% |
9.20% |
12.74% |
Loan Payment example: At 3.65% Annual Percentage Rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $18.26 per $1,000.00 borrowed.
Line of Credit
Overdraft Protection
| $50.00 to $15,000.00 |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 12 Months |
15.00% |
15.00% |
15.00% |
15.00% |
15.00% |
Signature Loans (Up to $15,000 per Individual)
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 12 - 36 Months |
10.15% |
11.15% |
11.90% |
14.90% |
18.00% |
| 37 - 60 Months |
10.65% |
11.40% |
12.15% |
15.15% |
18.00% |
| some restrictions may apply. |
Shared Secured Loans - 95% of Share Balance
| Credit Rating |
Platinum
APR |
Gold
APR |
Silver
APR |
Bronze
APR |
Copper
APR |
| 6.50% APR |
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Share Certificate Loans - 95% of certificate balance
| Credit Rating |
Platinum
APR |
Gold
APR |
Silver
APR |
Bronze
APR |
Copper
APR |
| 2.50% above Certificate Rate |
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Credit Card - Visa (* Payments based on 2.0% of the outstanding balance)
| Credit Rating |
Platinum
APR |
Gold
APR |
Silver
APR |
Bronze
APR |
Copper
APR |
| |
8.50% |
8.75% |
9.25% |
12.50% |
16.75% |
Fixed Rate Home Equity
Credit Rating
Loan Calculator |
Platinum
APR |
Gold
APR |
Silver
APR |
Bronze
APR |
Copper
APR |
| In first position, maximum LTV is 80% |
| 0- 60 Months |
4.00%
|
4.25% |
N/A |
N/A |
N/A |
| 61-120 Months |
4.00% |
4.25% |
N/A |
N/A |
N/A |
| 121-180 Months |
4.00% |
4.25% |
N/A |
N/A |
N/A |
| In second position, maximum combined LTV is 89% |
| 0- 60 Months |
4.49% |
4.99% |
5.99% |
N/A |
N/A |
| 61-120 Months |
5.49% |
5.75% |
5.75% |
N/A |
N/A |
| 121-180 Months |
5.74% |
6.00% |
6.25% |
N/A |
N/A |
Loan Payment example: At 5.74% Annual Percentage Rate (APR) for a 180 month term with 0% down, monthly payments are calculated at $8.31 per $1,000.00 borrowed.
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 |
5.25% |
5.50% |
6.00% |
7.75% |
9.75% |
NOTE: Interest rates on home equity line of credit loans will increase 2% APR on loans with a 90% loan to value ratio based on the appraised or assessed value.*
*Some restrictions may apply.
*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
Line of Credit rates are variable and subject to increase after loan consummation. Rates are based on the value of an index, plus a margin. The index is the Prime Rate published in the Wall Street Journal. Maximum 18% APR or maximum by law, whichever is less. Estimated fees payable to third parties to open the plan may vary and can range from $0 - $800.00. Please contact us for details. Property insurance is required.
Equipment
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
10.50% |
10.75% |
11.25% |
14.50% |
18.00% |
| 36 Months |
10.00% |
10.25% |
10.75% |
14.00% |
18.00% |
| 48 Months |
9.25% |
9.50% |
10.00% |
13.25% |
18.00% |
| 60 Month, loan must be over $20,000.00 |
9.25% |
9.50% |
10.00% |
13.25% |
18.00% |
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Rates effective as November 1, 2018 and subject to change. (APY = Annual Percentage Yield)
Rate may change after account opening if the account has a variable rate.
Maintenance or activity fees may be imposed resulting in reduction of earnings on the account.
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Savings
Dividends will be compounded every quarter. Dividends will be credited to your account every quarter
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Minimum Balance |
Dividend Rate |
APY* |
Term |
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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.
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$5.00 |
.05% |
.05% |
n/a |
Youth Account (no minimum deposit required)
Dividends will be compounded every quarter and credited to your account every quarter. |
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.10% |
.10% |
n/a |
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Rads Account (no minimum deposit required)
Dividends will be compounded every quarter and credited to your account every quarter.
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.10% |
.10% |
n/a |
Special Share (no minimum deposit required)
Dividends will be compounded every quarter and credited to your account every quarter. |
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.05% |
.05% |
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 |
.05% |
.05% |
n/a |
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Money Market Account ($2,500 - $4,999.99)
Dividends will be compounded every month. Dividends will be credited to your account every month
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$2,500 - $4,999.99 |
.25% |
.25% |
n/a |
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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 |
.30% |
.30% |
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 |
.40% |
.40% |
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 |
.45% |
.45% |
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+ |
.50% |
.50% |
n/a |
IRA Share (no minimum balance required)
Dividends will be compounded every month. Dividends will be credited to your account every quarter. |
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0.70% |
0.70% |
n/a |
Share Drafts
(The minimum balance required to open this account is $25.00) |
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n/a
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n/a |
*APY = Annual Percentage Yield
Rate may change after account opening if the account has a variable rate
Maintenance or activity fees may be imposed resulting in reduction of earnings on the account.
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| Certificates |
Minimum Deposit |
Dividend Rate |
APY* |
Term |
| 3 Month Certificate |
$500.00 minimum |
N/A
|
N/A
|
- |
| 3 Month Certificate |
$25,000.00
|
N/A |
N/A
|
n/a
|
| 6 Month Certificate |
$500.00 Minimum |
1.25% |
1.26% |
n/a |
| 6 Month Certificate |
$25,000.00 |
1.25% |
1.26% |
n/a |
| 9 Month Certificate |
$500.00 |
N/A
|
N/A
|
n/a |
| 9 Month Certificate |
$25,000.00 |
N/A
|
N/A
|
n/a |
| 12 Month Certificate **Bumper Rate** also available for IRA certificate |
$500.00 - $24,999.99 |
1.65% |
1.66% |
n/a |
| 12 Month Certificate **Bumper Rate** also available for IRA certificate |
$25,000.00 & up |
1.65% |
1.66% |
n/a |
| 12 Month Certificate **Bumper Rate** also available for IRA certificate |
$25,000.00 + Checking |
1.65% |
1.66% |
n/a |
| 18 Month Certificate |
$500.00 - $24,999.99 |
1.70% |
1.71% |
n/a |
| 18 Month Certificate |
$25,000.00 & up |
1.70% |
1.71% |
n/a |
| 18 Month Certificate |
$25,000.00 + Checking |
1.70% |
1.71% |
n/a |
| 24 Month Certificate also available for IRA certificate |
$500.00 - $24,999.99 |
2.00% |
2.02% |
n/a |
| 24 Month Certificate also available for IRA certificate |
$25,000.00 & up |
2.00% |
2.02% |
n/a |
| 24 Month Certificate also available for IRA certificate |
$25,000.00 + Checking |
2.00% |
2.02% |
n/a |
| 36 Month Certificate also available for IRA certificate |
$500.00 - $24,999.99 |
2.25% |
2.27% |
n/a |
| 36 Month Certificate also available for IRA certificate |
$25,000.00 & Up |
2.25% |
2.27% |
n/a |
| 36 Month Certificate also available for IRA certificate |
$25,000.00 + Checking |
2.25% |
2.27% |
n/a |
| 48 Month Certificate also available for IRA certificate |
$500.00 - $24,999.99 |
2.30% |
2.32% |
n/a |
| 48 Month Certificate also available for IRA certificate |
$25,000.00 & Up |
2.30% |
2.32% |
n/a |
| 48 Month Certificate also available for IRA certificate |
$25,000.00 + Checking |
2.30% |
2.32% |
n/a |
| 60 Month Certificate also available for IRA certificate |
$500.00 - $24,999.99 |
2.50% |
2.52% |
n/a |
| 60 Month Certificate also available for IRA certificate |
$25,000.00 & Up |
2.50% |
2.52% |
n/a |
| 60 Month Certificate also available for IRA certificate |
$25,000.00 + Checking |
2.50% |
2.52% |
n/a |
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At this time there is a limit of $100,000.00 per member on certificate.
* Interest is compounded daily and paid quarterly.
* Interest rates are subject to change at any time.
* 90 day interest penalty for early withdrawal on 3 month certificates.
** 180 day interest penalty for early withdrawal on 6 - 9 month certificates.
*** 365 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 receive this rate.
Additional truth-in-savings terms,conditions and disclosures can be provided.
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