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Best Personal Loan Rates in Rapid City, South Dakota (SD) - April 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: April 19, 2026

Current personal loan options available to borrowers in Rapid City, South Dakota include: HIGHMARKHIGHMARK725 5th St, Rapid City, SD, 57701A5.0 ★Texas Ratio: 11.71% offering Construction Loan at 4.99% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering Church Loans at 7.25% APR, 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, Dacotah Federal Credit UnionDacotah Federal Credit Union2990 E HIGHWAY 44, Rapid City, SD, 57703A+5.0 ★Texas Ratio: 0.63% offering Personal Loan at 10.15% APR, and Sentinel Federal Credit UnionSentinel Federal Credit Union4011 Triple Crown Dr, Rapid City, SD, 57701 2098A+5.0 ★Texas Ratio: 4.56% offering Personal Loans at 10.50% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Rapid City has 5 local institutions in our database, with personal loan rates as low as 4.99% APR from HIGHMARK at 725 5th St, Rapid City, SD, 57701. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.

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 Rapid City, South Dakota.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Rapid City, 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: April 19, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
725 5th St, Rapid City, SD, 57701
Construction Loan
4.99%
View
▼
APR4.99%
Last UpdatedApril 20, 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
Church Loans
7.25%
View
▼
APR7.25%
Last UpdatedApril 20, 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 UpdatedApril 20, 2026
Details

over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years

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 UpdatedApril 20, 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 UpdatedApril 20, 2026
Details

As Low As; Including Debt Consolidation

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 UpdatedApril 20, 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 UpdatedApril 20, 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 UpdatedApril 20, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
4011 Triple Crown Dr, Rapid City, SD, 57701 2098
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedApril 20, 2026
Details

As Low As

Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Construction Loan
3.99%
View
▼
APR3.99%
Last UpdatedApril 20, 2026
Details

As Low As; mortgage loans only

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Recreational Loans
6.05%
View
▼
APR6.05%
Last UpdatedApril 20, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.30%
View
▼
APR9.30%
Last UpdatedApril 20, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
9.30%
View
▼
APR9.30%
Last UpdatedApril 20, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loans
9.40%
View
▼
APR9.40%
Last UpdatedApril 20, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedApril 20, 2026
Details

750+

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
9.99%
View
▼
APR9.99%
Last UpdatedApril 20, 2026
Details

Credit score 701+

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Unsecured Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 20, 2026
Details

As Low As; Up to $50,000

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal
10.25%
View
▼
APR10.25%
Last UpdatedApril 20, 2026
Details

As Low As

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 20, 2026
Details

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

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedApril 20, 2026
Details

750+

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 20, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedApril 20, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedApril 20, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedApril 20, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedApril 20, 2026
Details

679-650

Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Personal/Lifestyle Loan
12.00%
View
▼
APR12.00%
Last UpdatedApril 20, 2026
Details

As Low As;Debt Consolidation

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
12.00%
View
▼
APR12.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedApril 20, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedApril 20, 2026
Details

679-650

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
12.50%
View
▼
APR12.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedApril 20, 2026
Details

679-650

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
13.00%
View
▼
APR13.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
13.50%
View
▼
APR13.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
14.00%
View
▼
APR14.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 750+

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Personal
14.00%
View
▼
APR14.00%
Last UpdatedApril 20, 2026
Details

No additional details available.

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
14.50%
View
▼
APR14.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedApril 20, 2026
Details

649-600

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
14.99%
View
▼
APR14.99%
Last UpdatedApril 20, 2026
Details

Credit score 650-700

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
15.00%
View
▼
APR15.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 675-699

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedApril 20, 2026
Details

649-600

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
15.50%
View
▼
APR15.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
16.00%
View
▼
APR16.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
16.50%
View
▼
APR16.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
17.00%
View
▼
APR17.00%
Last UpdatedApril 20, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
17.50%
View
▼
APR17.50%
Last UpdatedApril 20, 2026
Details

Credit Tier: 650-674

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
17.50%
View
▼
APR17.50%
Last UpdatedApril 20, 2026
Details

Credit score <650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
View
▼
APR17.55%
Last UpdatedApril 20, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedApril 20, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedApril 20, 2026
Details

599 and Below

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedApril 20, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
4011 Triple Crown Dr, Rapid City, SD, 57701 2098
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedApril 20, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
9.30%
View
▼
APR9.30%
Last UpdatedApril 20, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loans
9.40%
View
▼
APR9.40%
Last UpdatedApril 20, 2026
Details

As Low As

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 20, 2026
Details

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

No debt consolidation personal loan rates found in Rapid City, 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 UpdatedApril 20, 2026
Details

As Low As; Including Debt Consolidation

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.30%
View
▼
APR9.30%
Last UpdatedApril 20, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedApril 20, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedApril 20, 2026
Details

750+

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 20, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedApril 20, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedApril 20, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedApril 20, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedApril 20, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedApril 20, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedApril 20, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedApril 20, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedApril 20, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
View
▼
APR17.55%
Last UpdatedApril 20, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedApril 20, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedApril 20, 2026
Details

599 and Below

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

Rapid City, SD Personal Loan Rate Trends

Compare local Rapid City, SD personal loan rates against the statewide average

Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full South Dakota Personal Loan Trends →
Personal Loan — SD Avg
13.443%
Unchanged vs 7 days ago

South Dakota personal loan rates currently average 13.443% APR.

Signature Loan — SD Avg
11.214%
▲ 0.110 vs 7 days ago

South Dakota signature loan rates rose 0.110 points over the past 7 days to 11.214% APR.

As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions

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

Most lenders in Rapid City, 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 Rapid City, 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 Rapid City, 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 Rapid City, South Dakota?

Credit unions in Rapid City, 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 Rapid City, South Dakota?

  • HIGHMARK: 4.99% (Construction Loan)
  • Interfaith Federal Credit Union: 7.25% (Church Loans)
  • Dakota Star Federal Credit Union: 9.90% (A Loan for Your Personal Use)
  • Dacotah Federal Credit Union: 10.15% (Personal Loan)
  • Sentinel Federal Credit Union: 10.50% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Rapid City, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.

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