Personal Loans · South Dakota
33 credit unions in South Dakota report personal loan rates to the NCUA. Rates range from 8.54% to 20.00%.
Updated Q1 2026 · NCUA Call Report data
33
CUs Reporting Rates
8.54%
Lowest Rate
12.34%
State Average Rate
22
Cities Covered
33 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | PALACE CITY Mitchell | 8.54% | — |
| 2 | M O Huron | 9.69% | 12.90% |
| 3 | DAKOTA STAR RAPID CITY | 9.90% | 8.50% |
| 4 | OAHE Pierre | 9.90% | 9.90% |
| 5 | HURON AREA EDUCATION HURON | 10.00% | — |
| 6 | DAKOTALAND Huron | 10.72% | 11.53% |
| 7 | ASPEN Rapid City | 10.75% | 7.00% |
| 8 | BLACK HILLS Rapid City | 11.00% | 8.90% |
| 9 | FT RANDALL WAGNER | 11.22% | — |
| 10 | HB TELCO Huron | 11.25% | — |
| 11 | NORTHERN HILLS STURGIS | 11.25% | — |
| 12 | DAKOTA RAIL LINE HURON | 11.25% | — |
| 13 | SIOUX VALLEY COOP Watertown | 11.36% | — |
| 14 | LAKOTA Kyle | 11.46% | 12.33% |
| 15 | LEVO Sioux Falls | 11.49% | 11.20% |
| 16 | BLUESTONE Sioux Falls | 11.54% | 10.02% |
| 17 | NORSTAR Britton | 11.75% | — |
| 18 | SENTINEL BOX ELDER | 11.75% | 12.33% |
| 19 | AVANTI WATERTOWN | 12.22% | 11.00% |
| 20 | SERVICE FIRST Sioux Falls | 12.27% | — |
| 21 | DACOTAH Rapid City | 12.30% | 8.90% |
| 22 | HEALTHCARE PLUS Aberdeen | 12.50% | 11.90% |
| 23 | MINUTEMAN RAPID CITY | 12.90% | — |
| 24 | EXPLORERS YANKTON | 13.00% | 13.71% |
| 25 | RUSHMORE ELECTRIC Rapid City | 13.20% | 10.50% |
| 26 | EAST RIVER Madison | 13.92% | — |
| 27 | DAKOTA PLAINS Lemmon | 13.99% | 12.99% |
| 28 | CONSUMER'S Gregory | 14.00% | 11.99% |
| 29 | AREA ABERDEEN | 14.72% | — |
| 30 | HIGHMARK RAPID CITY | 15.00% | 10.00% |
| 31 | VOYAGE Sioux Falls | 15.00% | 6.88% |
| 32 | SISSETON-WAHPETON Agency Village | 17.28% | — |
| 33 | COTEAU VALLEY SISSETON | 20.00% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.