What are the current interest rates at Lakota Federal Credit Union?

Current rates for Lakota Federal Credit Union include: 12-Month CD: 4.00%, 24-Month CD: 3.50%, 60-Month CD: 4.00%

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Lakota Federal Credit Union

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Lakota Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Lakota Federal Credit Union?

Yes, to access services at Lakota Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lakota Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Lakota Federal Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 12 Month CDs CD, and auto loans from 5.54% APR, according to rates verified by MonitorBankRates. Other Lakota Federal Credit Union CD rates include 60 Month CDs at 4.00%, 24 Month CDs at 3.50%, and 36 Month CDs at 3.50%. MonitorBankRates evaluates the financial stability of Lakota Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.43%. Rates last updated and verified on 10/13/2026.

Lakota Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lakota Federal Credit Union? Share your experience about Lakota Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Lakota Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Lakota Federal Credit Union
Lakota Federal Credit Union

507 Main Street
Kyle, SD 57752

https://www.lakotafcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Lakota Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	4.00%	4.00%	12 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
60 Month Share Certificates	4.00%	4.00%	60 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
24 Month Share Certificates	3.50%	3.50%	24 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
36 Month Share Certificates	3.50%	3.50%	36 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
9 Month Share Certificates	2.40%	2.40%	9 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
6 Month Share Certificates	2.30%	2.30%	6 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
3 Month Share Certificates	2.25%	2.25%	3 Months
Min Balance $250 Details Balance: $250 - $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
6 Month Share Certificates	0.75%	0.75%	6 Months
Min Deposit $250 Min Balance $25,001 Details $25,001 - $250,000; Balance: $25,001 - $250,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

Lakota Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Vehicles (2022-2023) Loan	-	-	5.54%	24 Months
Details Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	5.79%	24 Months
Details Credit Grade: A+; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	5.84%	24 Months
Details Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	5.90%	36 Months
Details Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	6.04%	48 Months
Details Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.05%	36 Months
Details Credit Grade: A+; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.05% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.09%	24 Months
Details Credit Grade: A; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.19%	48 Months
Details Credit Grade: A+; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	6.19%	60 Months
Details Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	6.20%	36 Months
Details Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.20% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.24%	60 Months
Details Credit Grade: A+; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	6.34%	48 Months
Details Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.35%	36 Months
Details Credit Grade: A; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.49%	48 Months
Details Credit Grade: A; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	6.49%	60 Months
Details Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	6.54%	60 Months
Details Credit Grade: A; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2018-2019) Loan	-	-	6.84%	Up to 60 Months
Details Credit Grade: A+ (700+); Model Year: 2018-2019; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2018-2019) Loan	-	-	7.14%	Up to 60 Months
Details Credit Grade: A (699-675); Model Year: 2018-2019; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2013-2017) Loan	-	-	7.99%	Up to 48 Months
Details Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 90% of NADA retail; C= 80% of NADA retail; Note: Any vehicles with over 100,000 miles have a maximum term of 36 months. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2012 and Older) - Up to 24 Months Loan	-	-	8.28%	Up to 24 Months
Details Credit Grade: A+; Max Loan to Value: All categories= 50% of NADA and inspection required on all Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2013-2017) Loan	-	-	8.29%	Up to 48 Months
Details Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 90% of NADA retail; C= 80% of NADA retail; Note: Any vehicles with over 100,000 miles have a maximum term of 36 months. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2012 and Older) - Up to 24 Months Loan	-	-	8.58%	Up to 24 Months
Details Credit Grade: A; Max Loan to Value: All categories= 50% of NADA and inspection required on all Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.58% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	9.35%	24 Months
Details Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	9.50%	36 Months
Details Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	9.65%	48 Months
Details Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	9.80%	60 Months
Details Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2018-2019) Loan	-	-	10.60%	Up to 60 Months
Details Credit Grade: B (674-621); Model Year: 2018-2019; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	11.10%	24 Months
Details Credit Grade: B; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	11.15%	36 Months
Details Credit Grade: B; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	11.30%	48 Months
Details Credit Grade: B; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	11.35%	24 Months
Details Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	11.50%	60 Months
Details Credit Grade: B; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	11.50%	36 Months
Details Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2013-2017) Loan	-	-	11.60%	Up to 48 Months
Details Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 90% of NADA retail; C= 80% of NADA retail; Note: Any vehicles with over 100,000 miles have a maximum term of 36 months. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	11.65%	48 Months
Details Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2022-2023) Loan	-	-	11.80%	60 Months
Details Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2012 and Older) - Up to 24 Months Loan	-	-	12.60%	Up to 24 Months
Details Credit Grade: B; Max Loan to Value: All categories= 50% of NADA and inspection required on all Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2018-2019) Loan	-	-	12.60%	Up to 60 Months
Details Credit Grade: C (620-500); Model Year: 2018-2019; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 95% of NADA retail; C= 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	13.10%	24 Months
Details Credit Grade: C; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	13.15%	36 Months
Details Credit Grade: C; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	13.30%	48 Months
Details Credit Grade: C; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2020-2021) Loan	-	-	13.50%	60 Months
Details Credit Grade: C; Model Year: 2020-2021; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2013-2017) Loan	-	-	13.60%	Up to 48 Months
Details Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B= 90% of NADA retail; C= 80% of NADA retail; Note: Any vehicles with over 100,000 miles have a maximum term of 36 months. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 13.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
Used Vehicles (2012 and Older) - Up to 24 Months Loan	-	-	14.60%	Up to 24 Months
Details Credit Grade: C; Max Loan to Value: All categories= 50% of NADA and inspection required on all Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 14.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

Lakota Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
New or Nearly New (2024 or Newer) Loan	-	-	4.74%	24 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	4.99%	24 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	9.00%	24 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	11.00%	24 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.10%	36 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.35%	36 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	9.15%	36 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	11.15%	36 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.15% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.24%	48 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.54%	48 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	9.35%	48 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	11.35%	48 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.39%	60 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.69%	60 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	9.50%	60 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	11.50%	60 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.40%	72 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.70%	72 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	9.65%	72 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	11.65%	72 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 11.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.60%	84 Months
Details Credit Grade: A+ (700+); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	5.90%	84 Months
Details Credit Grade: A (699-675); New vehicles only; Max Loan to Value: A+, A = 100% of Purchase Price Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	10.65%	84 Months
Details Credit Grade: B (674-621); New vehicles only; Max Loan to Value: B = 95% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%
New or Nearly New (2024 or Newer) Loan	-	-	12.65%	84 Months
Details Credit Grade: C (620-500); New vehicles only; Max Loan to Value: C = 90% of MSRP Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Lakota Federal Credit Union’s Texas Ratio stayed near 2.11% in Q3 2023 to 2.43% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$20M	2.43%	5.0	A+
March 31, 2026	$19M	1.21%	5.0	A+
December 31, 2025	$19M	0.70%	5.0	A+
September 30, 2025	$19M	0.98%	5.0	A+
June 30, 2025	$19M	2.43%	5.0	A+
March 31, 2025	$18M	3.16%	5.0	A+
December 31, 2024	$16M	3.30%	5.0	A+
September 30, 2024	$16M	4.62%	5.0	A+
June 30, 2024	$13M	1.05%	5.0	A+
March 31, 2024	$14M	2.18%	5.0	A+
December 31, 2023	$14M	3.20%	5.0	A+
September 30, 2023	$12M	2.11%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lakota Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lakota Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lakota Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lakota Federal Credit Union

Website https://www.lakotafcu.org

Address 507 Main Street, Kyle, SD 57752

Phone 605-455-1515

Fax 605-455-1514

President Tawney Brunsch

CEO Shayna Ferguson

Full-Time Employees 11

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.43%

Return on Assets (ROA)

4.4004%

Return on Equity (ROE)

19.9345%

Non-Performing Loans Ratio (NPL)

1.46%

Total Assets

19,685,521

Total Amount of Shares and Deposits

12,162,541

Total Shares and Deposits < 1 Year

2,464,496

Total Shares and Deposits 1 3 Years

6,939,490

Total Shares and Deposits > 3 Years

2,758,555

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,063,965

Total Uninsured Shares and Deposits > $250K (F+J)

1,088,641

Total Insured Shares and Deposits > $250K (item 17 less item K)

11,073,900

Total Interest Expense (Sum of items 6 8)

163,293

Share Certificates

Number of Accounts for Share Drafts

3,119

Number of Accounts for Regular Shares

4,128

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-84,021

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,564,038

Total Liabilities

15,340,070

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Lakota Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Lakota Federal Credit Union

How many branches does Lakota Federal Credit Union operate?

Lakota Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lakota Federal Credit Union?

Yes, to access services at Lakota Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lakota Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lakota Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lakota Federal Credit Union offer online and mobile banking?

Most modern institutions like Lakota Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakotafcu.org.