General: 605-225-2488
Consumer Loans: 605-725-LOAN
Mortgage Loans: 605-725-2328
Collection Dept: 605-725-0717
Lost or Stolen Debit Card:
800-472-3272
49°
current conditions:light rain fog/mist
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 2.90% APR, 60 monthly payments of $17.92 per $1000.00 borrowed. All Secured Loans have a maximum term of 84 months.
Effective as of 5/1/13
| Excellent | Great | Good | Average | Fair | Poor |
APR | 2.90% | 3.40% | 5.40% | 8.40% | 11.40% | 13.90% |
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 5/1/13
| Excellent | Great | Good | Average | Fair | Poor |
APR | 7.25% | 7.75% | 9.25% | 11.75% | 14.50% | 16.25% |
Home Loans
Effective as of 5/1/13
SDHDA | 3.000% |
Conventional (15 year) | 2.875% |
Conventional (30 year) | 3.625% |
FHA | 3.250% |
Rural Development | 3.250% |
VA | 3.250% |
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 5/1/13
| 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 5/1/13
| 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.
