--- title: "Area Credit Union Rates (Nov 2026): CDs to 4.06%, Vehicle 5.49%" description: "Area Credit Union rates today: vehicle loans from 5.49% APR, savings & CDs up to 4.06% APY, personal loans from 13.25% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Area Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/area" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Area Credit Union Rates (Nov 2026): CDs to 4.06%, Vehicle 5.49% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **RESIDENTIAL CONSTRUCTION LOAN** other | — APR | 5.375% | — | Standard | | **REAL ESTATE LOAN** other | — APR | 6.990% | — | Standard | Area Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan** auto_used | 5.490% APR | 5.490% | used | Standard | | **New Auto Loan** auto_new | 5.490% APR | 5.490% | new | Standard | | **RV Loan** rv | 5.490% APR | 5.490% | — | Standard | Area Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.000% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.375% | — | Standard | Area Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | — APR | 2.000% | — | Standard | | **OTHER SECURED LOAN** personal_secured | — APR | 5.490% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 13.250% | — | Standard | | **Personal Line of Credit** ploc_variable | 13.250% APR | 13.250% | — | Standard | Area Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 9 offers | Product | Published | Rate | Term / condition | Status | | **SUPER SHARES** savings | — APY | 1.26% | — | Standard | | **EDUCATION IRA SHARES** ira | 2.53% APY | 2.53% | — | Standard | | **24 MONTH GEN Y CD** cd_24mo | — APY | 3.29% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.55% | 24 mo | Standard | | **3-Month Certificate** cd_3mo | 3.80% APY | 3.80% | 3 mo | Standard | | **18-Month Certificate** cd_18mo | 3.80% APY | 3.80% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | 4.04% APY | 4.06% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 4.06% APY | 4.04% | 6 mo | Standard | | **12 MONTH GEN Y CD** cd_12mo | — APY | 4.06% | 12 mo | Standard | Area Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Business Loan** business | — % | 6.750% | — | Standard | Area Credit Union other rates as of November 13, 2026 Vehicle loans available from 5.49% APR. Personal loan rates from 13.25% APR. Savings and certificate yields up to 4.06% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/area) , verified from [Area Credit Union's official website](https://www.areafcu.org/) Best product position **Better than the South Dakota median** new-car loan Gap to state best **149 bp** 149 bp from state best Vs. state median **36 bp better than median** new-car loan Products ranked **2** across tracked South Dakota markets | Product | Published APR | Position | Vs. state best | Vs. state median | | new-car loan | 5.49% | Better than the South Dakota median | 149 bp from state best | 36 bp better than median | | personal loan | 13.25% | Room to improve vs. the South Dakota median | 425 bp from state best | 395 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Area Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=area&state=south-dakota&code=SD&name=Area%20Credit%20Union) Loading branch locator… ## About Area Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.8K Assets $200.2M Founded 1935 Locations reported 2 NCUA charter 274 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Dakotaland** Aberdeen Branch · Aberdeen · SD · 57401-6129 About 2.8 miles away](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**Healthcare Plus** Main Location · Aberdeen · SD · 57401 About 3.1 miles away](https://rateapi.dev/credit-unions/south-dakota/healthcare-plus) [**Dakota Plains** DPCU - Ellendale · Ellendale · ND · 58436 About 36.0 miles away](https://rateapi.dev/credit-unions/north-dakota/dakota-plains) [**Norstar** Main Location · Britton · SD · 57430 About 43.6 miles away](https://rateapi.dev/credit-unions/south-dakota/norstar) [**First Community** Branch - Oakes · Oakes · ND · 58474-1221 About 50.2 miles away](https://rateapi.dev/credit-unions/north-dakota/first-community) [**Hometown** ASHLEY BRANCH · Ashley · ND · 58413 About 55.6 miles away](https://rateapi.dev/credit-unions/north-dakota/hometown) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Area Credit Union Membership eligibility from Area Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Area Credit Union's website. Check the membership page below to confirm whether you qualify. - Location brown, codington, day, edmunds, spink, walworth — SD Verified from [Area Credit Union's membership page](https://www.areafcu.org/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Area Credit Union Geography 6 counties · Family 25 published paths to membership, last verified November 8, 2026, quoted from Area Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Brown County, SD - Codington County, SD - Day County, SD - Edmunds County, SD - Spink County, SD - Walworth County, SD “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Brown County, SD; Codington County, SD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “The immediate family members of these groups are also welcome to join Area Federal Credit Union.” > [source ↗](https://www.areafcu.org/membership/) - Family member (immediate family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Area Credit Union? Yes No ## Work at Area Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Area Credit Union ranks against South Dakota peers. - See which AI assistants fetched Area Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in South Dakota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=area&state=south-dakota&code=SD&name=Area%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Area Credit Union offer? Area Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Area Credit Union rates updated? RateAPI verifies Area Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Area Credit Union's rate data? Rate data is collected directly from Area Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Area Credit Union's auto & rv loan rates? As of November 13, 2026, Area Credit Union offers vehicle loans from 5.49% APR. ### What is Area Credit Union's personal loan rate? As of November 13, 2026, Area Credit Union offers personal loans from 13.25% APR. ### What is Area Credit Union's best CD rate? As of November 13, 2026, Area Credit Union offers savings and certificate (CD) yields up to 4.06% APY. ### Who can join Area Credit Union? Area Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 6 counties for Area Credit Union, each quoted from Area Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Area Credit Union's rates against national credit-union benchmarks. [More South Dakota credit unions](https://rateapi.dev/credit-unions/south-dakota) [South Dakota mortgage rate leaders](https://rateapi.dev/mortgage-rates/south-dakota) [South Dakota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/south-dakota) [South Dakota HELOC rate leaders](https://rateapi.dev/heloc-rates/south-dakota) [South Dakota personal loan leaders](https://rateapi.dev/personal-loan-rates/south-dakota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.areafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Area Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when South Dakota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Area Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /area " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Area Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/south-dakota/area Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp