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Stay connected to your accounts.
Lobby Hours:
Monday-Friday 9am-5pm
Drive Up Windows:
Monday-Friday 7:30am-6pm
Saturday 9am-Noon
Mailing Address
PO Box 1495
Aberdeen, SD 57402-1495
Phone
(605)225-2488 or
1-877-225-2488
General: 605-225-2488
Consumer Loans: 605-725-5626
Real Estate Loans: 605-725-2328
Collection Dept: 605-725-0717
Lost or Stolen Debit Card:
800-472-3272
Reset your PIN: 800-757-9848
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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 - Payment Schedule - at 2.49% APR, 60 monthly payments of $17.75 per $1,000.00 borrowed. All Secured Loans have a maximum term of 84 months
Apply for a loan!
Effective as of 4/1/21
| Tier 1A | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
APR | 2.49% | 2.99% | 4.99% | 7.99% | 10.99% | 13.49% |
Home Loans
Purchase or Refinance
Click here for Mortgage Application
Click here for Co-Borrower Mortgage Application
Effective as of 10/5/21
SDHDA - First Time Home Buyer | 2.625% |
Conventional (15 year) | 2.250% |
Conventional (30 year) | 3.000% |
FHA (Federal Housing Administration) | 2.750% |
Rural Development | 2.500% |
VA | 2.500% |
HELOC Rates
Variable Rate APR
Effective as of 6/1/21
| Tier 1A | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
APR | 3.00% | 3.00% | 4.25% | 6.25% | 10.25% | 15.25% |
Real Estate Loans
Payment Schedule - at 5.75% APR, 360 monthly payments of $5.84 per $1000.00 borrowed.
Click here for Mortgage Application
Click here for Co-Borrower Mortgage Application
Effective as of 4/1/21
| Tier 1A | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
APR | 5.75% | 6.25% | 7.75% | 10.25% | 13.00% | 14.75% |
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.
Apply for a loan!
Effective as of 4/1/21
| Tier 1A | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
APR | 12.25% | 12.75% | 14.25% | 15.50% | 16.50% | 17.50% |
Business Loans
We offer many types of commercial loans, including SBA loans. We have a wide range of terms and products available to suit your business needs. To begin your application apply online below.
For commercial real estate loans subtract 0.50% from the rates listed below.
Apply for a loan!
Effective as of 4/1/21
| Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
Current Rate | 5.75% | 6.75% | 8.50% | 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.
