Personal Loan Rates

Money You Need, The Interest Rate You Want
Apply Now Personal Loans

Current Rates for Loans and Lines of Credit Deliver Affordable Financing

When you need a little extra money for anything in life, BHFCU's rates on personal loans and lines of credit offer a more affordable route than high-rate options like credit cards. We'll help you find the right fit.

Effective Date: January 1, 2026
Term
APR
Personal Loans
Platinum
760 and over		 9.50%
Premier Plus 
720-759		 9.75%
Premier
680-719		 10.75%
Standard
640-679		 11.75%
Value
600-639		 15.75%
Rebuilder
599 and under		 18.00%
Quick Draw Line of Credit***
Up to $15,000 per individual
Platinum
760 and over		 9.50%
Premier Plus 
720-759		 9.75%
Premier
680-719		 10.75%
Standard
640-679		 11.75%
Value
600-639		 15.75%
Rebuilder
599 and under		 18.00%

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

Effective Date: January 1, 2026
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

Black Hills Federal Credit Union members earn better, competitive rates on loans, checking and savings accounts. Become a member today to lock in your rate now.

Personal Loans
Money When Life Calls For It

Get the funds to finance a  project, consolidate high-interest debt, or pay for just about anything.

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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