First Dakota FCU  




Share/Savings Accounts
 
IRA Accounts

IRA Shares1.500% Div. Rate1.511% APY *
 
Share Accounts

Savings.500% Div. Rate.501% APY *
 
Share Certificate Accounts

Certificates of DepositVarious Div. RateVarious APY *
    Contact credit union for weekly changing rates.
 
*Annual Percentage Yield
 
Loan Accounts
 

At First Dakota Federal Credit Union we are working for you!!

Contact us and we will work with you to find the BEST possible option for your financing needs!!

 
 
Signature Loans

Unsecured8.25 APR12 mo
Unsecured9.25 APR24 mo
Unsecured10.25 APR36 mo
Unsecured11.25 APR48 mo
Unsecured12.25 APR60 mo
 

Contact us for additional rates and options.

 

 
 
Vehicle Loans

New Vehicle 2010 or Newer4.50** APR12 mo
New Vehicle 2010 or Newer5.50** APR24 mo
New Vehicle 2010 or Newer6.50** APR36 mo - 60 mo
New Vehicle 2010 or Newer7.50** APR72 mo
Used Vehicle - 06 and Newer5.00** APR12 mo
Used Vehicle - 06 and Newer6.00** APR24 mo
Used Vehicle - 06 and Newer7.00** APR36 mo - 60 mo
Used Vehicle - 06 and Newer8.00** APR72 mo
Used Vehicle - 05 and Older5.50** APR12 mo
Used Vehicle - 05 and Older6.50** APR24 mo
Used Vehicle - 05 and Older7.50** APR36 mo - 60 mo
 

Contact us for additional rates and options.

 
 
Home Equity Loans

Variable Rate5.000** APR20 Yr Mortgage*
 

Variable rate adjusts annually in February.

*Term Depends on amount of loan. Maximum of twenty years.

 

 
 
Overdraft Protection

Overdraft Protection18.00 APR
 
Recreational Vehicle Loans

12 Month5.50** APR
  Used
24 Month6.50** APR
  Used
36 Month7.50** APR
  Used
48 Month7.50** APR
  Used
 

Ask about LOWER rates on NEW campers and boats!

 
 

** Annual Percentage Rate

Didn't find the rate or term you were looking for?   Ask about our Matching Policy!

Rates are subject to change without notice.

 
Fees & Disclosures
 
Deposit Account Fees

Overdrawn Fee$25.00
Return Item Fee$15.00
Stop Pay Fee$15.00
Stop Payment Cashiers' Checks$30.00
ACH Origination Return$30.00
Dormant/Inactive Account Fee$10.00 per month
Automatic Transfer from Savings Fee$2.00 per transfer over six per month
Advantage ATM TransactionFREE
Non-Advantage ATM Transaction$2.00 per transaction
Debit Card Purchase FeeNONE
Card Reactivation Fee$10.00 Per occurrence
Statement Copy*$3.00 per statement
Origional Draft Item*$15.00 per item
Check Copy (last 12 months only)*$3.00 per item
Check Copy (older than 12 months)*$10.00 per item
 
Loan Account Fees

Loan ApplicationFREE
Early Payoff PenaltyNONE
Loan Processing FeeNONE
UCC Form (Untitled Collaterateral Lien Record)$25.00
Skip-A-Payment Fee$10.00
Refinance Loan Fee$10.00
Unsecured Loan Fee$10.00
Late Loan Fee (14 day Grace)5% of payment amount or $5, whichever is greater
 
Miscellaneous Fees

Domestic Outgoing Wire$15.00 per wire
Inernational Wire Fee (Incoming/Outgoing)$35.00 per wire
Notary ServiceFREE
 

*May include additional reseach cost.

 

 

 

   First Dakota FCU


P.O. Box 988 500 W Russell Street
Sioux Falls, SD 57101  USA
Phone: 605-339-8278  Fax: 605-339-8277
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