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Rates

We know rates are important. That's why we do our best to keep your rates as low as possible.

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Current Interest Rates

Your auto loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:

AUTOS - MODEL YEARS 2015 AND NEWER

Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

* Auto & Recreational Rates are effective as of March 1, 2021.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate. 

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CURRENT RECREATION LOAN INTEREST RATES

Your recreation loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:

Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

* Auto & Recreational Rates are effective as of March 1, 2021.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate.

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CURRENT RECREATION LOAN INTEREST RATES

Your recreation loan interest rate doesn’t have to break your budget at Levo Credit Union. Here’s what you can expect currently:

Your loan interest APR** will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

* Auto & Recreational Rates are effective as of March 1, 2021.

**APR - Annual Percentage Rate

***Vehicles with a MSRP greater than $75,000 may have a higher rate.

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CURRENT PERSONAL LOAN INTEREST RATES

Your personal loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

*APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 730+, 2= 690-729, 3= 640-689, 4= 610-639, 5= 609 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

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CURRENT HOME LOAN INTEREST RATES

Your home loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

HOME MORTGAGES 4/19/2021

Mortgage Type Rate APR*
30 YEAR FIXED RATE 2.625% 2.730%
20 YEAR FIXED RATE 2.50% 2.649%
15 YEAR FIXED RATE 1.875% 2.066%
10 YEAR FIXED RATE 2.000% 2.282%
5/1 ARM 2.25% 2.847%
7/1 ARM 2.25% 2.596%
10/1 ARM 2.25% 2.973%
SOUTH DAKOTA HOUSING 30 YEAR FHA 2.25% 2.466%
SOUTH DAKOTA HOUSING 30 YEAR FHA FIXED RATE PLUS 2.875% 3.099%
FHA 30 YEAR FIXED RATE 2.25% 2.478%
FHA 15 YEAR FIXED RATE2 2.375% 2.805%
VA 30 YEAR FIXED RATE 2.25% 2.591%
VA 15 YEAR FIXED RATE 2.25% 2.8889%

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CURRENT BUSINESS CHECKING DIVIDEND RATES

You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:

Minimum Balance Dividend Rate APY*
TIER 1 $2,000 0.05% 0.05%
TIER 2 $25,000 0.05% 0.05%
TIER 3 $50,000 0.07% 0.07%
TIER 4 $100,000 0.07% 0.07%

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*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of directors. A complete description of these accounts is available upon request, and will be provided at account opening.  Fees could reduce the earnings on the account. Rates effective:  12/16/20

CURRENT CONSUMER CHECKING DIVIDEND RATES

You can earn dividends just by banking with Levo Credit Union. Here's what you can expect currently:

Minimum Balance Dividend Rate APY*
AT ACCOUNT OPENING $0 0.00% 0.00%
AT INTEREST-EARNING THRESHOLD $2,000 0.02% 0.02%

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.

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CURRENT CONSUMER SAVINGS DIVIDEND RATES

You can earn dividends just by banking with Levo Credit Union. Here’s what you can expect currently:

SHARE SAVINGS

Savings Minimum Balance Dividend Rate APY* Term
REGULAR, SPECIAL $50 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 1 $1,000 up to $2,500 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 2 $2,500.01 - $10,000 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 3 $10,000.01 - $25,000 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 4 $25,000.01 - $50,000 0.10% 0.10% N/A
SUPER SHARE MONEY MARKET - TIER 5 $50,000.01 - $100,000 0.15% 0.15% N/A
SUPER SHARE MONEY MARKET - TIER 6 Over $100,000 0.20% 0.20% N/A

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REGULAR SHARE CERTIFICATES

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 MONTH SHARE CERTIFICATE $2,500 0.10% 0.10% 3
6 MONTH SHARE CERTIFICATE $2,500 0.15% 0.15% 6
1 YEAR SHARE CERTIFICATE $500 0.20% 0.20% 12
18 MONTH SHARE CERTIFICATE $500 0.25% 0.25% 18
2 YEAR SHARE CERTIFICATE $500 0.30% 0.30% 24
3 YEAR SHARE CERTIFICATE $500 0.40% 0.40% 36
4 YEAR SHARE CERTIFICATE $500 0.60% 0.60% 48
5 YEAR SHARE CERTIFICATE $500 0.80% 0.80% 60

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*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.

Fees could reduce earnings on the account.  The account requires a minimum opening deposit based on term and APY and is listed above.  Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee.  Some exceptions may apply.  

The Regulation D Penalty is 7 days' simple interest and applies to:

  • Withdrawals made within 7 days of account opening including the opening day.
  • Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance. 

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below: 

  • For terms less than three months (or less than 90 days), the fee is one month's interest.
  • For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
  • For terms over 12 months through 24 months, the fee is six months' interest.
  • For terms over 24 months, the fee is 12 months' interest.  

Share Savings Rates Effective: 12/16/20

CURRENT CONSUMER RETIREMENT DIVIDEND RATES

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Savings Minimum Balance Dividend Rate APY* Term
INDIVIDUAL RETIREMENT ACCOUNT - TIER 1 $0 - $2,499.99 0.05% 0.05% N/A
INDIVIDUAL RETIREMENT ACCOUNT - TIER 2 $2,500 - $9,999.99 0.05% 0.05% N/A
INDIVIDUAL RETIREMENT ACCOUNT - TIER 3 $10,000 - $24,999.99 0.05% 0.05% N/A
INDIVIDUAL RETIREMENT ACCOUNT - TIER 4 $25,000 - $49,999.99 0.10% 0.10% N/A
INDIVIDUAL RETIREMENT ACCOUNT - TIER 5 $50,000 - $99,999.99 0.15% 0.15% N/A
INDIVIDUAL RETIREMENT ACCOUNT - TIER 6 $100,000 and up 0.20% 0.20% N/A

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IRA SHARE CERTIFICATES

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 MONTH SHARE CERTIFICATE $2,500 0.10% 0.10% 3
6 MONTH SHARE CERTIFICATE $2,500 0.15% 0.15% 6
1 YEAR SHARE CERTIFICATE $500 0.20% 0.20% 12
18 MONTH SHARE CERTIFICATE $500 0.25% 0.25% 18
2 YEAR SHARE CERTIFICATE $500 0.30% 0.30% 24
3 YEAR SHARE CERTIFICATE $500 0.40% 0.40% 36
4 YEAR SHARE CERTIFICATE $500 0.60% 0.60% 48
5 YEAR SHARE CERTIFICATE $500 0.80% 0.80% 60

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*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change without notice. A complete description of these accounts is available upon request, and will be provided at account opening.

Fees could reduce earnings on the account.  The account requires a minimum opening deposit based on term and APY and is listed above.  Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee.  Some exceptions may apply.  

The Regulation D Penalty is 7 days' simple interest and applies to:

  • Withdrawals made within 7 days of account opening including the opening day.
  • Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance. 

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below: 

  • For terms less than three months (or less than 90 days), the fee is one month's interest.
  • For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
  • For terms over 12 months through 24 months, the fee is six months' interest.
  • For terms over 24 months, the fee is 12 months' interest.  

Share Certificate Rates Effective: 12/16/20

Current consumer HEALTHCARE DIVIDEND RATES

Something Powerful

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Savings Minimum Balance Dividend Rate APY* Term
HEALTH SAVINGS ACCOUNT - TIER 1 $0.00 - $2,499.99 0.02% 0.02% N/A
HEALTH SAVINGS ACCOUNT - TIER 2 $2,500.00 - $9,999.99 0.05% 0.05% N/A
HEALTH SAVINGS ACCOUNT - TIER 3 $10,000.00 and up 0.10% 0.10% N/A

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Health Savings Account rates effective:  12/16/20

CURRENT BUSINESS SAVINGS RATES

You can earn dividends just by banking with Sioux Falls Federal Credit Union. Here’s what you can expect currently:

SHARE SAVINGS

Savings Minimum Balance Dividend Rate APY* Term
REGULAR, SPECIAL $50 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 1 $1,000 up to $2,500 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 2 $2,500.01 - $10,000 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 3 $10,000.01 - $25,000 0.05% 0.05% N/A
SUPER SHARE MONEY MARKET - TIER 4 $25,000.01 - $50,000 0.10% 0.10% N/A
SUPER SHARE MONEY MARKET - TIER 5 $50,000.01 - $100,000 0.15% 0.15% N/A
SUPER SHARE MONEY MARKET - TIER 6 Over $100,000 0.20% 0.20% N/A

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REGULAR SHARE CERTIFICATES

Certificate Term Minimum Deposit Dividend Rate APY* Term
3 MONTH SHARE CERTIFICATE $2,500 0.10% 0.10% 3
6 MONTH SHARE CERTIFICATE $2,500 0.15% 0.15% 6
1 YEAR SHARE CERTIFICATE $500 0.20% 0.20% 12
18 MONTH SHARE CERTIFICATE $500 0.25% 0.25% 18
2 YEAR SHARE CERTIFICATE $500 0.30% 0.30% 24
3 YEAR SHARE CERTIFICATE $500 0.40% 0.40% 36
4 YEAR SHARE CERTIFICATE $500 0.60% 0.60% 48
5 YEAR SHARE CERTIFICATE $500 0.80% 0.80% 60

OPEN AN ACCOUNT     ︎

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request, and will be provided at account opening.

Fees could reduce earnings on the account.  The account requires a minimum opening deposit based on term and APY and is listed above.  Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Fee.  Some exceptions may apply.  

The Regulation D Penalty is 7 days' simple interest and applies to:

  • Withdrawals made within 7 days of account opening including the opening day.
  • Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured Share Certificate balance. 

Withdrawals made after the first 7 days of account opening are subject to the Early Withdrawal Fee below: 

  • For terms less than three months (or less than 90 days), the fee is one month's interest.
  • For terms three months (or 90 days) through 12 months (or 365 days), the fee is three months' interest.
  • For terms over 12 months through 24 months, the fee is six months' interest.
  • For terms over 24 months, the fee is 12 months' interest.  

Share Savings Rates Effective: 12/16/20

CURRENT CONSUMER CREDIT CARD INTEREST RATES

Your credit card interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Credit Card APR*
BETTER REWARDS VISA® CREDIT CARD 11.99%
BETTER RATE VISA® CREDIT CARD OR SECURED VISA® CREDIT CARD 10.49%

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*APR - Annual Percentage Rate. Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.  

CURRENT HOME EQUITY INTEREST RATES

Your home equity loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

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*APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 720+, 2= 680-719, 3= 679 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.