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 - 2010, 2009 and 2008

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

NOTE  *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is made from their checking account to their loan payment OR a direct deposit to their checking account.

Used Autos - 2007, 2006, 2005 and 2004

60 Months -  minimum amount financed $15,000.00 or more

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

NOTE  *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is made from their checking account to their loan payment OR a direct deposit to their checking account.

Used Autos  - 2003, 2002 and 2001

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

Used Autos  - 2000 and older

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

Classic Cars 1990 and Older(Completely restored)

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

Loan Payment Example:  At 4.25% annual percentage rate (APR) for a 60 month term with $0.00 down, monthly payments are calculated at $18.53e per $1,000.00 borrowed.*
Some restrictions may apply.

*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.

NOTE  *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is made from their checking account to their loan payment OR a direct deposit to their checking account.

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

NOTE  *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is made from their checking account to their loan payment OR a direct deposit to their checking account.

NEW & USED Snowmobiles and Personal Watercraft

NEW & USED All Terrain Vehicles

Credit Rating Loan calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
24-48 Months (Current Year)	*5.90%	*6.15%	*6.65%	*9.90%	*17.95%
48 Months (Previous Year)	*5.90%	*6.15%	*6.65%	*9.90%	*17.95%
USED 1-5 Years  36 Months	*6.65%	*6.90%	*7.40%	*10.65%	18.00%
USED 6 Years +  24 Months	*7.90%	*8.15%	*8.65%	*11.90%	18.00%

NEW & USED Motorcycles

NOTE  *These rates include a .25% discount to members who have a checking account with us AND an automatic payment is made from their checking account to their loan payment OR a direct deposit to their checking account.

Signature Loans (Up to $10,000 per Individual)
 

Credit Rating Loan Calculator	Platinum APR*	Gold APR*	Silver APR*	Bronze APR*	Copper APR*
12-36 Months	*9.90%	*10.65%	*11.40%	*14.40%	18.00%
37 - 60 Months	*10.40%	*11.15%	*11.90%	*14.90%	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	4.99%	5.24%	5.74%	9.90%	14.24%
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%	4.00%	4.00%	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.*
*Some restrictions may apply.

Loan Payment Example:  At 6.14% annual percentage rate(APR) for a 180 month term with 0%down,monthly payments are calculated at $8.52e 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

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 $100 - $600.00.  Please contact us for details.  Property insurance is required.  

Equipment

August 31, 2010 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.

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	.05%	.05%	n/a
Youth Account (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	---------------	.20%	.20%	n/a
Rads Account (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	------------	.20%	.20%	n/a
Special Share (no minimum deposit required) Dividends will be compounded every quarter and credited to your account every quarter.	---------------	.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
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	.30%	.30%	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	.65%	.65%	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	.90%	.90%	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	1.00%	1.00%	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+	1.20%	1.21%	n/a
IRA Share (no minimum balance required)  Dividends will be compounded every month.  Dividends will be credited to your account every quarter.	----------------	2.00%	2.02%	n/a
Share Drafts (The minimum balance required to open this account is $25.00)	----------------		0.00%	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. Back to Top

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	0.75%	0.75%	n/a
6 Month Certificate	$25,000.00	0.75%	0.75%	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	1.50%	1.51%	n/a
12 Month Certificate **Bumper Rate**  also available for IRA certificate	$25,000.00 & up	1.50%	1.51%	n/a
12 Month Certificate **Bumper Rate**  also available for IRA certificate	$25,000.00 + Checking	1.50%	1.51%	n/a
18 Month Certificate	$500.00 - $24,999.99	1.50%	1.51%	n/a
18 Month Certificate	$25,000.00 & up	1.50%	1.51%	n/a
18 Month Certificate	$25,000.00 + Checking	1.50%	1.51%	n/a
24 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	1.70%	1.71%	n/a
24 Month Certificate      also available for IRA certificate	$25,000.00 & up	1.70%	1.71%	n/a
24 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	1.70%	1.71%	n/a
36 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	2.20%	2.22%	n/a
36 Month Certificate      also available for IRA certificate	$25,000.00 & Up	2.20%	2.22%	n/a
36 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	2.20%	2.22%	n/a
48 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	2.50%	2.52%	n/a
48 Month Certificate      also available for IRA certificate	$25,000.00 & Up	2.50%	2.52%	n/a
48 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	2.50%	2.52%	n/a
60 Month Certificate      also available for IRA certificate	$500.00 - $24,999.99	2.80%	2.83%	n/a
60 Month Certificate      also available for IRA certificate	$25,000.00 & Up	2.80%	2.83%	n/a
60 Month Certificate      also available for IRA certificate	$25,000.00 + Checking	2.80%	2.83%	n/a

At this time there is a limit of $100,000.00 per member on certificate. * 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 receive this rate. Additional truth-in-savings terms,conditions and disclosures can be provided. Back to Top