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Risk-Based | Savings | Certificates
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July 29, 2008. All rates are subject to change without notice.
(*APR = Annual Percentage Rate)
NOTE *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is madefrom their checking account to their loan payment OR a direct deposit to their checking account.
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.
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Line of Credit***
Overdraft Protection
| $0.00 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% |
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( 2008,2007 & 2006)
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Credit Rating
Loan Calculator
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Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
*4.48% |
*4.73% |
*5.23% |
*8.48% |
*12.73% |
| 36 Months |
*4.58% |
*4.83% |
*5.33% |
*8.58% |
*12.83% |
| 48 Months |
*4.95% |
*5.20% |
*5.70% |
*8.95% |
*13.20% |
| 60 Months |
*4.95% |
*5.20% |
*5.70% |
*8.95% |
*13.20% |
| 66 Months |
*5.24% |
*5.49% |
*5.99% |
*9.24% |
*13.49% |
| 72 Month ($18,000.00 or more) |
*5.70% |
*5.95% |
*6.45% |
*9.70% |
*13.95% |
| 84 Months NEW - $25,000.00 > |
*6.70% |
*6.95% |
*7.45% |
*10.70% |
*14.95% |
Used Autos (2007 & 2006)
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
*4.48% |
4.73% |
*5.23% |
*8.48% |
*12.73% |
| 36 Months |
*4.58% |
*4.83% |
*5.33% |
*8.58% |
*12.83% |
| 42 Months |
*4.75% |
5.00% |
*5.50% |
*8.75% |
*13.00% |
| 48 Months |
*4.95% |
*5.20% |
*5.70% |
*8.95% |
*13.20% |
| 54 Months |
*4.95% |
*5.20% |
*5.70% |
*8.95% |
*13.20% |
| 60 Months |
*4.95% |
*5.20% |
*5.70% |
*8.95% |
*13.20%
|
| 66 Months |
*5.24% |
*5.49% |
*5.99% |
*9.24% |
*13.49% |
| 72 Months($18,000.00 or more) |
*5.70% |
*5.95% |
*6.45% |
*9.70% |
*13.95% |
Used Autos (2005, 2004, 2003 & 2002)
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months |
*4.90% |
*5.15% |
*5.65% |
*8.90% |
*13.15% |
| 36 Months |
*5.20% |
*5.45% |
*5.95% |
*9.20% |
*13.45% |
| 42 Months |
*5.35% |
*5.60% |
*6.10% |
*9.35% |
*13.60% |
| 48 Months |
*5.45% |
*5.70% |
*6.20% |
*9.45% |
*13.70% |
| 54 Months |
*5.55% |
*5.80% |
*6.30% |
*9.55% |
*13.80% |
| 60 Months |
*5.70% |
*5.95% |
*6.45% |
*9.70% |
*13.95% |
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66 Months-
2005's Only
|
*6.00% |
*6.25% |
*6.75% |
*10.00% |
*14.25% |
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72 Months -
2005's Only
|
*6.45% |
*6.70% |
*7.20% |
*10.45% |
*14.70% |
60 Months - minimum amount financed $12,000.00 or more
Used Autos 2001 & 2000
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 48 Months |
*6.70% |
*6.95% |
*7.45% |
*10.70% |
*14.95% |
| 54 Months |
*6.95% |
*7.20% |
*7.70% |
*10.95% |
*15.20% |
| 60 Months - |
*7.00% |
*7.25% |
*7.75% |
*11.00% |
*15.25% |
| 2001's Only |
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Used Autos - 1999 & Older
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months |
*8.75% |
*9.00% |
*9.50% |
*12.75% |
*17.00% |
Classic Cars 1988- Older (Completely restored)
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 48 Months |
*7.45% |
*7.70% |
*8.20% |
*11.45% |
*15.70% |
Lower Payment Option -
| Credit Rating |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24-72 Months |
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Lower Payment Option-Used
| Credit Rating |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24-60 Months |
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| 24-48 Months |
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| 24-36 Months |
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| 24 Months |
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| 24-72 Months |
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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
Credit Rating
Loan calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months (Up to $2,499) |
*7.74% |
*7.99% |
*8.49% |
*11.74% |
*15.99% |
| 60 Months ($2,500 to $4,999) |
6.74% |
*6.99% |
*7.49% |
*10.74% |
*14.99% |
| 84 Months ($5,000 to $9,999) |
5.74% |
*5.99% |
*6.49% |
*9.74% |
*13.99% |
| 96 Months ($10,000 to $14,999) |
*5.99% |
*6.24% |
*6.74% |
*9.99% |
*14.24% |
| 120 Months ($15,000 - $24,999) |
*6.99% |
*7.24% |
*7.74% |
*10.99% |
*15.24% |
| 144 Months ($25,000 & Over) |
*6.99% |
*724% |
*7.74% |
*10.99% |
*15.24% |
USED- Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months (Up to $2,499) |
*7.74% |
*7.99% |
*8.49% |
*11.74% |
*15.99% |
| 60 Months ($2,499 to $4, 999) |
*6.74% |
*6.99% |
*7.49% |
*10.74% |
*14.99% |
| 84 Months ($5,000 to $9,999) |
*5.74% |
*5.99% |
*6.49% |
*9.74% |
*13.99% |
| 96 Months ($10,000 to $14,999) |
*5.99% |
*6.24% |
*6.74% |
*9.99% |
*14.24% |
| 120 Months($15,000 to $24,999) |
*6.99% |
*7.24% |
*7.74% |
*10.99% |
*15.24% |
| 144 Months ($25,000 & Over) |
*6.99% |
*7.24% |
*7.74% |
*10.99% |
*15.24% |
NEW Snowmobiles, All Terrain Vehicles, Personal Watercraft
Credit Rating
Loan calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24-60 Months (Current Year) |
*5.90% |
*6.15% |
*6.65% |
*9.90% |
*14.15% |
| 48 Months (Previous Year) |
*5.90% |
*6.15% |
*6.65% |
*9.90% |
*14.15% |
USED Snowmobiles, All Terrain Vehicles, Personal Watercraft
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 36 Months (1 to 5 Years) |
*6.65% |
*6.90% |
*7.40% |
*10.65% |
*14.90% |
| 24 Months (6 years & Older) |
*7.90% |
*8.15% |
*8.65% |
*11.90% |
*16.15% |
NEW Motorcycles
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months for up to $2,499 |
*7.70% |
*7.95% |
*8.45% |
*11.70% |
*15.95% |
| 36 Months- 2,500 to $4,999 |
*7.15% |
*7.40% |
*7.90% |
*11.15% |
*15.40% |
| 48 Months $5,000 to 9,999 |
*6.05% |
*6.30% |
*6.80% |
*10.05% |
*14.30% |
| 60 Months $10,000 to $14,999 |
*5.70% |
*5.95% |
*6.45% |
*9.70% |
*13.95% |
| 72 Months $15,000 to $19,999 |
*5.89% |
*6.14% |
*6.64% |
*9.89% |
*14.14% |
| 84 Months $20,000 and Over |
*5.99% |
*6.24% |
*6.74% |
*9.99% |
*14.24% |
USED Motorcycles
Credit Rating
Loan Calculator |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 24 Months up to $2,499 |
*7.70% |
*7.95% |
*8.45% |
*11.70% |
*15.95% |
| 36 Months $2,500 to 4,999 |
*7.05% |
*7.40% |
*7.90% |
*11.15% |
*15.40% |
| 48 Months $5,000 to $9,999 |
*6.05% |
*6.30% |
*6.80% |
*10.05% |
*14.30% |
| 60 Months $10,000 to $14,999 |
*5.70% |
*5.95% |
*6.45% |
*9.70% |
*13.95% |
| 72 Months $15,000 to 19,999 |
*5.89% |
*6.14% |
*6.64% |
*9.89% |
*14.14% |
| 84 Months $20,000 and Over |
5.99% |
*6.24% |
*6.74% |
*9.99% |
*14.24% |
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% APR some restrictions may apply |
| up to 12 Months (Maximum of $15,000.00) |
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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 |
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Share Certificate Loans - 95% of certificate balance
| Credit Rating |
Platinum
APR* |
Gold
APR* |
Silver
APR* |
Bronze
APR* |
Copper
APR* |
| 2.25 % 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* |
| CLASSIC |
11.50% |
11.75% |
12.50% |
15.50% |
18.00% |
| PLATINUM *NEW |
8.50%
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8.75% |
9.25% |
12.50% |
16.75% |
Second Mortgages \ Home Improvements
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