Get the South Dakota financing you need for any purpose 

Whenever you need a financial boost, we're the credit union with personal loan, line of credit, and equipment loan rates that save you money so you can get more done. We can help you find the right loan or line of credit for your unique situation, and there's no minimum loan amount. 

Term Platinum APR
760 and over
 Premier Plus APR
720-759
 Premier APR
680-719
 Standard APR
640-679
 Value APR
600-639
 Rebuilder APR
599 and under
N/A 9.50% 9.75% 10.75% 11.75% 15.75% 18.00%
Up to $15,000 per individual
Term Platinum APR
760 and over
 Premier Plus APR
720-759
 Premier APR
680-719
 Standard APR
640-679
 Value APR
600-639
 Rebuilder APR
599 and under
Not Applicable 11.00% 11.25% 12.25% 13.25% 16.25% 18.50

***Quick Draw LOC is an open ended credit plan. No annual fee, finance charges begin on the date of each advance.

Account Type APR Details
Share Secured/Certificate Secured with Payments, Open-End 6.50% 95% of share/certificate balance
Share Secured - Single Pay, Closed-End 6.50% 95% of share balance
Certificate Secured - Single Pay, Closed-End 2.50% Above certificate rate/95% of certificate balance
Share Secured/Certificate Secured Quick Draw Line of Credit, Open-End 7.75% 95% of share/certificate balance
Rates effective as of January 1, 2026 and subject to change without notice.
(APR = Annual Percentage Rate)
Your individual rate will be determined by your personal credit history, loan term, account relationship with Black Hills Federal Credit Union. We welcome your application!
 
*Not all borrowers will qualify for lowest APR. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428.

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