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Top 5 Credit Unions in South Dakota - 2025 Sortable APR Guide


Top credit unions in South Dakota ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our SD car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in South Dakota for A-tier credit scores.
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The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.
Best Credit Unions in South Dakota
Rank Credit Union Car APR Home APR CC APR Locations
1 Black Hills FCU 20
2 Voyage 3
3 Dakotaland 12
4 Levo 7
5 ECU 4
Black Hills Federal Credit Union
BHFCU was established in 1941 and has 100,000 members at 20 credit unions in South Dakota.

The ways to join include residents in the counties of Buffalo, Butte, Clay, Custer, Dewey, Fall River, Haakon, Hughes, Hyde, Jerauld, Lake, Lawrence, Lincoln, Meade, McCook, Miner, Minnehaha, Pennington, Sanborn, Stanley, Sully, Turner, Union, Yankton, or Ziebach.

Black Hills FCU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Financing offers include homes, trucks, snowmobiles, tractors, livestock, farms, agricultural land, small businesses, and more.

Headquarters: 2700 N Plaza Dr, Rapid City, SD 57702
Top Credit Union Award
Voyage Federal Credit Union
VFCU was established in 1939 and serves over 24,000 customers at 3 locations in South Dakota. The original members were Bell Telephone employees.

The field of membership includes Lincoln and Minnehaha Counties.

Headquarters: 3823 S Kiwanis Cir, Sioux Falls, SD 57105
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Dakotaland Federal Credit Union
DFCU was founded in 1935 for employees at Armour Foods. It has over 40,000 clients at 12 branches in South Dakota.

The ways to join include residents in the counties of Aurora, Beadle, Brookings, Brown, Brule, Buffalo, Clark, Codington, Davison, Day, Deuel, Faulk, Grant, Hamlin, Hand, Hanson, Hughes, Hyde, Jerauld, Kingsbury, Lake, McCook, Miner, Moody, Sanborn, Spink, and Sully.

Headquarters: 2297 Kansas Ave, Huron, SD 57350
Levo Federal Credit Union
Levo FCU was founded in 1934 for mailcarriers. It has 35,000 members at 7 branches. The first branch was inside the old post office at the Phillips Avenue Federal Building.

The field of membership includes the counties: Beadle, Brookings, Brown, Clay, Codington, Davison, Day, Grant, Hamlin, Hanson, Kingsbury, Lake, Lincoln, Marshall, McCook, Minnehaha, Moody, Roberts, Turner, Union, and Yankton.

Headquarters: 1741 S Cleveland Ave, Sioux Falls, SD 57103
Explorers Credit Union
ECU was established in 1962 and has over 11,000 members at 4 branches in South Dakota.

The ways to join include residents in Aurora, Bon Homme, Charles Mix, Clay, Davison, Douglas, Hanson, Hutchinson, Lincoln, McCook, Minnehaha, Turner, Union, and Yankton County.

Headquarters: 609 West 21 St, Yankton, SD 57078
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