Today & Everyday
As a credit union, our not-for-profit status allows us to minimize the expense of doing business. Look to us for better rates and lower fees with a focus on people helping people.
Deposit Accounts
| Account | Minimum to Earn Dividend | Interest | APY* |
| Regular Share Savings | $100 and above | compounded monthly | 0.10% APY* |
| Christmas Club Account | $100 and above | compounded monthly | 0.10% APY* |
| Life Event Account | $100 and above | compounded monthly | 0.10% APY* |
Rates Current as of May 13, 2021
*annual percentage yield; Rates are subject to change without notice. Fees could reduce the earnings of any dividend bearing account.
| Account | Minimum to Earn Dividends | Interest | APY* |
| Checking Account | $2,500 and above | compounded monthly | 0.05% APY* |
Rates Current as of May 13, 2021
*annual percentage rate; Rates are subject to change without notice. Fees could reduce the earnings of any dividend bearing account.
| Balance | Interest | APY* |
| $50 - $2,500 | compounded monthly | 1.25 / 1.25% APY* |
| $2,500 Plus | compounded monthly | 1.74 / 1.75% APY* |
| $10,000 Plus | compounded monthly | 2.23 / 2.25% APY* |
Rates Current as of February 15, 2023
*annual percentage yield; Rates are subject to change without notice. Fees could reduce the earning of any dividend bearing account.
CD Specials
| Term | Interest | APY* |
| 5 Month Term | compounded quarterly | 3.75 / 3.80% APY* |
| 11 Month Term | compounded quarterly | 3.95 / 4.00% APY* |
Standard Rates
| Term | Interest | APY* |
| 6 Month Term | compounded quarterly | 3.46 / 3.50% APY* |
| 12 Month Term | compounded quarterly | 3.56 / 3.60% APY* |
| 18 Month Term | compounded quarterly | 3.65 / 3.70% APY* |
| 24 Month Term | compounded quarterly | 3.46 / 3.50% APY* |
| 36 Month Term | compounded quarterly | 3.22 / 3.25% APY* |
| 48 Month Term | compounded quarterly | 3.12 / 3.15% APY* |
| 60 Month Term | compounded quarterly | 3.07 / 3.10% APY* |
Rates Current as of July 1, 2025
• Early withdrawal penalties apply.
• Minimum balance required for a share certificate account is $500.00
• Minimum balance required for a share certificate account for kids & teens (ages 0-18) is $100.
• A member may do a rate change option (1) time to certificate terms 24, 36, 48 and 60 months, if the current market rate for the matching term increases. The new rate remains for the maturity which is based on the original certificate term.
*annual percentage yield; Rates are subject to change without notice. Fees could reduce the earnings of any dividend bearing account.
| Balance | Interest | APY* |
| $500 - $24,999 | compounded monthly | 0.50 / 0.50% APY* |
| $25,000 Plus | compounded monthly | 0.60 / 0.60% APY* |
| $50,000 Plus | compounded monthly | 0.75 / 0.75% APY* |
| $100,000 Plus | compounded monthly | 1.00 / 1.00% APY* |
| $250,000 Plus | compounded monthly | 1.25 / 1.25% APY* |
| $500,000 Plus | compounded monthly | 2.48 / 2.50% APY* |
| $750,000 Plus | compounded monthly | 2.96 / 3.00% APY* |
Rates Current as of May 5, 2023
Minimum balance required for an Investor's Choice Account is $500.00
*annual percentage yield; Rates are subject to change without notice. Fees could reduce the earning of any dividend bearing account.
Loans
Dakotaland Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the length of the loan and your credit history.
5.59% - 16.11% APR*
*annual percentage rate • Rates are subject to change without notice.
APR is determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing.
APR example using $25,000 borrowed.
5.59% - 16.11% APR*
*annual percentage rate • Rates are subject to change without notice.
APR is determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing. APR example using $25,000 borrowed.
11.35% - 17.87% APR*
*annual percentage rate
APR determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing. Rates are subject to change without notice.
APR is determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing.
APR example using $10,000 borrowed.
Certificate Secured Loan Rate
2.00% APR* Above Certificate Rate
Loan Term Matches Certificate Term
Share Secured Loan Rate
4.27% - 4.77% APR*
Includes Investor's Choice and Regular Share Accounts
*annual percentage rate
Rates are subject to change without notice.
9.90% - 17.90% APR*
*annual percentage rate
Rates are subject to change without notice.
13.00% APR*
*annual percentage rate
Rates are subject to change without notice.
Fee Schedule
| Service Fee Type | Service Fee Amount |
| Membership Application | None |
| Monthly Service Charge | None |
| Early Account Closing within 90 Days | $5 |
| Early Account Closing & Immediate Reopen with 90 Days | $15 |
| Dormant Inactive Account Fee (No activity for 18-months, balance under $100, no other services being used, over the age of 18) | $5 |
| Service Fee Type | Fee Amount |
| Monthly Fee | None |
| Overdraft (per Item-Check, Debit Card or ACH Debit) | $28 |
| Returned Check (per Item - Check or ACH) | $28 |
| Stop Payment Order Placed per Order (Check or ACH) | $25 |
| Check Printing (Depends on Style and Quantity Selected) | Varies |
| Temporary Checks (4 per Page) | $2 |
| Photocopy of Check -per Item (Free when Retrieved Through our Online Banking Over the Past 4 Years) | $2 |
| Overdraft Covered by Loan (Overdraft Protection) | None |
| Early Account Closing & Immediate Reopen within 90 Days (Checking Only) | $15 |
| Early Account Closing within 90 Days (with Checking Only) | $5 |
| ATM Transaction Type | Service Fee |
| ATM Transaction at Dakotaland Owned ATM (performed with Dakotaland Cards) | Free |
| ATM Transaction at Non-Dakotaland Owned Advantage ATMs (performed with Dakotaland Cards) | Varies (Depending on Owner of the Machine, Usually Free - $3.50) |
| ATM Transactions at Non-Advantage or Non-In-Balance ATM (per Transaction) | $1.50 |
| ATM/Debit Card PIN Reminder | $1 |
| International Transaction (per Transaction) | 1% |
| Replace ATM/Debit Card | $10 |
| Replacement Card (Rush Fee) | $50 |
| Service Fee Type | Service Fee Amount |
| VISA® Late Payment Fee | $20 |
| Returned Payment Fee | $25 |
| Replacement Card (per Card) | $10 |
| Replacement Card (Overnight per Card) | $40 |
| Replacement Card (2-3 Days per Card) | $26 |
| Document Copy Fee (per Item) | $5 |
| Cash Advance Fee | $2 |
| Foreign Transaction Fee | $2 |
| Service Fee Type | Service Fee Amount |
| Cashier's Check (No Fee if Payable to Member, 5 per Month) | $3 per Check |
| Account Reconciliation ($15 per Minimum) | $25 per Hour |
| Account Research ($15 per Minimum) | $25 per Hour |
| Wire Transfer - Domestic Outgoing | $25 per Wire |
| Wire Transfer - Domestic Incoming | $10 per Wire |
| Wire Transfer - Foreign | $50 |
| Foreign Credit Card Cash Advance | $5 |
| Printout of Account History/Statement Copy (per Statement) | $2 |
| Check Cashing Fee (for Checks Totaling $50 or More, per Individual, per Visit. No Fee if Total Account Relationship Averages $100 per Month or Under the Age of 18.) | $5 |
| Levy/Garnishment | $50 |
| Backup Withholding Fee (per Month) | $5 |
| Inactive IRA Fee (If Combined Balance is Under $500 & No Activity for 12 Months) | $10 per Year |
| IRA Transfer Fee (Out of Custody of Dakotaland Federal Credit Union) | $25 |
| Return Mail/Bad Address/Unable to Locate | $5 per Month |
| Fax Service (Sending or Receiving, per Page) | $1 per Page |
| Check Collection Fee (Dakotaland Federal Credit Union Checks) | $10 Member Fee, $15 Non-Member Fee |
| Loan Payment Return Fee | $25 |
