Loan Rates

Most banks won't publish their loan interest rates online. We're not a bank. We are able to offer low interest rates through our member ownership and non-profit status, and each loan is serviced by the friendly staff on site at Vermillion FCU. 

Below are base rates for our most popular loan products. If you have any questions about these loan products, or are interested in something you don't see, please give us a call or click here to submit a question online. We look forward to serving your borrowing needs!

Apply online or return a paper application to us. 

Rates may increase or decrease from base rate based on applicant's credit and/or equity.

Auto Loans
 Year Range Loan Amount  % APR* Terms 
 2016 - 2018 $25K and above  4.25  Up to 72 months 
 2016 - 2018 $18K - $25K  4.00  Up to 60 months 
 2016 - 2018 $18K and less  4.00  Up to 48 months 
 2011 - 2015 $20K and above  4.75  Up to 60 months 
 2011 - 2015 $10K - $20K  4.50  Up to 48 months 
 2011 - 2015 $10K and less  4.50  Up to 36 months 
 2001 - 2010 $15K and above  5.75  Up to 48 months 
 2001 - 2010 $15K and less  5.50  Up to 36 months 
 1990 - 2000   6.50  Up to 18 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
12.00 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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