Area

aberdeen, South Dakota
Last verified: July 10, 2026

As of July 10, 2026, Area offers a 30-year-fixed mortgage at 6.625% APR (6.625% rate, 0 points). Auto loans available from 5.24% APR. HELOC rates from 5.75% APR. Personal loan rates from 2% APR.

Source: RateAPI.dev, verified from Area's official website

Mortgage Rates

Rates as of July 10, 2026

30-year-fixed
6.625% APR
Rate6.625%
Points0
REAL ESTATE LOANS
savings
1.010% APR
Rate1.010%
Points0
SUPER SHARES
ira
2.530% APR
Rate2.530%
Points0
EDUCATION IRA SHARES
ira
2.530% APR
Rate2.530%
Points0
ROTH IRA SHARES
ira
2.530% APR
Rate2.530%
Points0
TRADITIONAL IRA SH
cd_24mo
3.290% APR
Rate3.290%
Points0
24 MONTH CERTIFICATE
cd_24mo
3.290% APR
Rate3.290%
Points0
24 MONTH GEN Y CD
cd_18mo
3.550% APR
Rate3.550%
Points0
18 MONTH CERTIFICATE
cd_18mo
3.550% APR
Rate3.550%
Points0
18 MONTH GEN Y CD
cd_3mo
3.550% APR
Rate3.550%
Points0
3 MONTH CERTIFICATE
cd_3mo
3.550% APR
Rate3.550%
Points0
3 MONTH GEN Y CD
cd_6mo
3.790% APR
Rate3.790%
Points0
6 MONTH CERTIFICATE
cd_6mo
3.790% APR
Rate3.790%
Points0
6 MONTH GEN Y CD
cd_12mo
3.800% APR
Rate3.800%
Points0
12 MONTH CERTIFICATE
cd_12mo
3.800% APR
Rate3.800%
Points0
12 MONTH GEN Y CD

Auto Loan Rates

Rates as of July 10, 2026

auto_new
5.240% APR
Rate5.240%
NEW AUTOMOBILES
auto
5.240% APR
Rate5.240%
RECREATIONAL VEHICLES
auto_used
5.240% APR
Rate5.240%
USED AUTOMOBILES

HELOC Rates

Rates as of July 10, 2026

heloc_variable
5.750% APR
Rate5.750%
HOME EQUITY LINE OF CREDIT
heloc_fixed
6.625% APR
Rate6.625%
HOME EQUITY LOAN

Personal Loan Rates

Rates as of July 10, 2026

personal_secured
2.000% APR
Rate2.000%
SHARE SECURED LOANS
personal_secured
5.240% APR
Rate5.240%
OTHER SECURED LOANS
ploc_variable
13.250% APR
Rate13.250%
PERSONAL LINE OF CREDIT
personal_unsecured
13.250% APR
Rate13.250%
UNSECURED LOANS

Frequently Asked Questions

What rates does Area offer?

Area currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are Area rates updated?

RateAPI verifies Area's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get Area's rate data?

Rate data is collected directly from Area's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Area's mortgage rate?

As of July 10, 2026, Area offers a 30-year-fixed mortgage at 6.625% APR.

What is Area's auto loan rate?

As of July 10, 2026, Area offers auto loans from 5.24% APR.

Related Rate Data

Compare Area's rates against national credit-union benchmarks.

More South Dakota credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Area
curl "https://api.rateapi.dev/credit-unions/south-dakota/area" \
  -H "Authorization: Bearer YOUR_API_KEY"
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