General: 605-225-2488
Consumer Loans: 605-725-LOAN
Mortgage Loans: 605-725-2328
Lost or Stolen Debit Card:
800-472-3272
18°
current conditions:fair
Your savings federally insured to at least $250000 and backed by the full faith and credit of the United States Government.
Loan Rates
Secured Loans
Payment Schedule - at 4.00% APR, 60 monthly payments of $18.42 per $1000.00 borrowed. All Secured Loans have a maximum term of 84 months.
Effective as of 1/1/12
| Excellent | Great | Good | Average | Fair | Poor |
APR | 4.00% | 4.50% | 6.50% | 9.50% | 12.50% | 15.00% |
Real Estate Loans
Payment Schedule - at 7.25% APR, 360 monthly payments of $6.82 per $1000.00 borrowed. All Real Estate Loans have a 30 year amortization.
Effective as of 1/1/12
| Excellent | Great | Good | Average | Fair | Poor |
APR | 7.25% | 7.75% | 9.25% | 11.75% | 14.50% | 16.25% |
Home Loans
Effective as of 1/1/12
SDHDA | 4.125% |
Conventional (15 year) | 3.375% |
Conventional (30 year) | 4.125% |
FHA | 3.875% |
Rural Development | 3.875% |
VA | 3.875% |
Unsecured Loans
Payment Schedule - at 12.25% APR, 48 monthly payments of $26.46 per $1000.00 borrowed. All Unsecured Loans have a maximum term of 48 months.
Effective as of 1/1/12
| Excellent | Great | Good | Average | Fair | Poor |
APR | 12.25% | 12.75% | 14.25% | 15.50% | 16.50 | 17.50% |
Business Loans
For commercial real estate loans subtract 0.50% from the rates listed below.
Effective as of 1/1/12
| Great | Good | Average | Fair | Poor |
Current Rate | 7.00% | 8.00% | 9.00% | 10.50% | 12.75% |
Rates and terms are subject to change without notice. Rates quoted with 1% origination fee for a 60-day lock. Interest rates assume credit history in good standing. All loan applications subject to credit and property approval. Flood and/or property hazard insurance may be required. Additional fees and closing costs apply. Assumes no subordinate financing. Maximum loan limits and minimum equity/down payment requirements apply. Other restrictions may apply.
