Current Rates

Savings and CD Rates

Below are our rates for deposit accounts and CDs. Any interest on your Savings will accrue automatically. Please contact us if you would like to start a new CD.

Deposit Accounts
Account Type % APY* Terms
Regular Shares (Savings) 0.05 For balances over $50
Share Drafts (Checking) 0.00

Certificates of Deposit (CDs)
Minimum Deposit % APY* Terms
$500 or higher 0.60 3 months
$500 or higher 1.00 6 months
$500 or higher 1.30 12 months
$1,000 or higher 1.50 18 months
$1,000 or higher 1.60 24 months
$2,000 or higher 1.70 36 months
$5,000 or higher 1.90 60 months
Please Note: Early withdrawal of certificate funds before the maturity date will result in a penalty. See your term share certificate agreement for details.

*APY is Annual Percentage Yield


Loan Rates

Below are base rates for our most popular loan products. Rates may increase or decrease based on applicant's credit and/or equity.

Auto Loans
 Lending Value % APR* Terms 
 Up to $5,000 6.00  Up to 36 months
 $5,000 to $10,000 5.50  Up to 48 months 
 $10,000 to $15,000 5.00  Up to 60 months 
 $15,000 to $20,000 4.50  Up to 66 months 
 $20,000+ 4.00  Up to 72 months 

Signature Loans
% APR* Terms
9.00 Up to 36 months
12.00 Over 36 months

Home Equity or Improvement Loans
% APR* Terms
5.00 Up to 60 months
6.00 Up to 120 months

MasterCard Credit Card
% APR* Terms
11.50 Revolving line of credit

 Overdraft Protection
% APR* Terms
18.00 Revolving line of credit

* APR is Annual Percentage Rate
ALL loans subject to eligibility requirements and credit approval.
ALL rates are subject to change without notice, please contact the Loan Department for current rates.
NO penalty for paying ahead or paying our loans off early.


Visit Sallie Mae's website to learn more about financing your education.

Drive-up Hours

Mon - Thurs: 8 a.m. to 5 p.m.
Fri: 8 a.m. to 5:30 p.m.
Sat: 9 a.m. to 12 noon

Lobby Hours

Mon - Fri: 9 a.m. to 5 p.m.
Sat: 9 a.m. to 12 noon

105 East Cherry Street
Vermillion, SD 57069

Tel: (605) 677-5214
Fax: (605) 677-5449

This Credit Union is federally insured by the National Credit Union Administration. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. © Copyright 2018
Vermillion Federal Credit Union

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