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Best Personal Loan Rates in Java, South Dakota (SD) - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to South Dakota borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: March 22, 2026

Current personal loan options available to borrowers in Java, South Dakota include: East River Federal Credit UnionEast River Federal Credit Union220 S Harth Ave, Madison, SD, 57042 2916A+5.0 ★Texas Ratio: 3.86% offering Recreational Loans at 6.80% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering Faith Organization Loans at 7.25% APR, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD, 57706A+5.0 ★Texas Ratio: 4.56% offering Land/Lot Loans at 7.25% APR, Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering Signature Loan at 9.30% APR, and Dakota Star Federal Credit UnionDakota Star Federal Credit Union3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354A5.0 ★Texas Ratio: 7.62% offering A Loan for Your Personal Use at 9.90% APR.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Java, South Dakota can save you significantly over the life of your loan.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Java, South Dakota.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Java, South Dakota. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 22, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Recreational Loans
6.80%
View
▼
APR6.80%
Last UpdatedMarch 22, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

over $250,000; As Low As; 5 year adjustable - starting at

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Land/Lot Loans
7.25%
View
▼
APR7.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Faith Organization Loans
7.50%
View
▼
APR7.50%
Last UpdatedMarch 22, 2026
Details

up to $250,000; As Low As; 10 year fixed

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Including Debt Consolidation

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
View
▼
APR9.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
View
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loan
9.40%
View
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
9.40%
View
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3122 W SAINT LOUIS ST, RAPID CITY, SD, 57702 2354
A Loan for Your Personal Use
9.90%
View
▼
APR9.90%
Last UpdatedMarch 22, 2026
Details

As Low As

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
9.99%
View
▼
APR9.99%
Last UpdatedMarch 22, 2026
Details

Credit score 701+

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
View
▼
APR10.15%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Vacation
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 2026
Details

As Low As; Any Purpose-Vacations, Projects, Repairs

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loan
10.40%
View
▼
APR10.40%
Last UpdatedMarch 22, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
10.40%
View
▼
APR10.40%
Last UpdatedMarch 22, 2026
Details

As Low As

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

As Low As

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
View
▼
APR10.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loan
11.40%
View
▼
APR11.40%
Last UpdatedMarch 22, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
11.40%
View
▼
APR11.40%
Last UpdatedMarch 22, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
3400 S Sycamore Ave, Sioux Falls, SD, 57110 4412
Personal/Lifestyle Loan
12.00%
View
▼
APR12.00%
Last UpdatedMarch 22, 2026
Details

As Low As;Debt Consolidation

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.00%
View
▼
APR12.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loan
12.40%
View
▼
APR12.40%
Last UpdatedMarch 22, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal/Holiday Loans
12.40%
View
▼
APR12.40%
Last UpdatedMarch 22, 2026
Details

As Low As

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
12.50%
View
▼
APR12.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.00%
View
▼
APR13.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 750+

Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
View
▼
APR13.19%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
13.50%
View
▼
APR13.50%
Last UpdatedMarch 22, 2026
Details

As Low As

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
13.50%
View
▼
APR13.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.00%
View
▼
APR14.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 750+

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
327 Dakota Dunes Blvd, Dakota Dunes, SD, 57049
Personal
14.00%
View
▼
APR14.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
14.50%
View
▼
APR14.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
14.99%
View
▼
APR14.99%
Last UpdatedMarch 22, 2026
Details

Credit score 650-700

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.00%
View
▼
APR15.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 675-699

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
15.50%
View
▼
APR15.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.00%
View
▼
APR16.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
16.50%
View
▼
APR16.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.00%
View
▼
APR17.00%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
PERSONAL UNSECURED
17.50%
View
▼
APR17.50%
Last UpdatedMarch 22, 2026
Details

Credit Tier: 650-674

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Personal
17.50%
View
▼
APR17.50%
Last UpdatedMarch 22, 2026
Details

Credit score <650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
View
▼
APR17.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Personal Loans
9.40%
View
▼
APR9.40%
Last UpdatedMarch 22, 2026
Details

As Low As

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2990 E HIGHWAY 44, Rapid City, SD, 57703
Personal Loan
10.15%
View
▼
APR10.15%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedMarch 22, 2026
Details

As Low As; Any Purpose-Vacations, Projects, Repairs

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedMarch 22, 2026
Details

As Low As

Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Personal Loans
13.19%
View
▼
APR13.19%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
Personal Loans
13.50%
View
▼
APR13.50%
Last UpdatedMarch 22, 2026
Details

As Low As

No debt consolidation personal loan rates found in Java, SD currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Signature Loan
8.99%
View
▼
APR8.99%
Last UpdatedMarch 22, 2026
Details

As Low As; Including Debt Consolidation

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.30%
View
▼
APR9.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
375 3rd St SW, Huron, SD, 57350 1945
Signature
10.75%
View
▼
APR10.75%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.55%
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▼
APR17.55%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedMarch 22, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedMarch 22, 2026
Details

No additional details available.

No home improvement personal loan rates found in Java, SD currently.

Frequently Asked Questions

What credit score do I need for a personal loan in South Dakota?

Most lenders in Java, South Dakota require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in South Dakota often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Java, South Dakota require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in South Dakota?

Yes. Debt consolidation is one of the most common uses of personal loans in Java, South Dakota. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Java, South Dakota?

Credit unions in Java, South Dakota often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Java, South Dakota?

  • East River Federal Credit Union: 6.80% (Recreational Loans)
  • Interfaith Federal Credit Union: 7.25% (Faith Organization Loans)
  • Sentinel Federal Credit Union: 7.25% (Land/Lot Loans)
  • Service First Federal Credit Union: 9.30% (Signature Loan)
  • Dakota Star Federal Credit Union: 9.90% (A Loan for Your Personal Use)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Java, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026.

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