Dakota Star Federal Credit Union

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Risk-Based | Savings | Certificates

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. 

  

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)

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%
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%

66 Months-
2005's Only

*6.00% *6.25% *6.75% *10.00% *14.25%

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          


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          


Lower Payment Option-Used

Credit Rating Platinum
APR*
Gold
APR*
Silver
APR*
Bronze
APR*
Copper
APR*
24-60 Months          
24-48 Months          
24-36 Months          
24 Months          
24-72 Months          

 

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%

  % APR some restrictions may apply
up to 12 Months (Maximum of $15,000.00)  


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*
CLASSIC 11.50% 11.75% 12.50% 15.50% 18.00%
PLATINUM *NEW

      8.50%

 8.75%  9.25%  12.50% 16.75%

Second Mortgages \ Home Improvements
 
Credit Rating