--- title: "Bluestone Credit Union Rates - South Dakota" description: "Current vehicle loan, heloc, personal loan, and credit card rates from Bluestone Credit Union in South Dakota. Updated daily with source verification. See who can join Bluestone Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/bluestone" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Bluestone Credit Union Rates - South Dakota ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Buy or Refinance a Car/Truck** auto | — APR | 4.740% | — | Standard | | **Buy/Refinance RV Loan-Balloon** rv | — APR | 5.240% | — | Standard | | **Buy/Refi Boat/RV 120mo Term** boat_any_120mo | — APR | 7.990% | 120 mo | Standard | | **Buy/Refi Boat/RV 180 mo Term** boat_any_180mo | — APR | 8.990% | 180 mo | Standard | Bluestone Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.250% | — | Standard | Bluestone Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Savings/Certificate Secured** personal_secured | — APR | 2.050% | — | Standard | | **Line of Credit/Overdraft Loan** ploc_variable | — APR | 9.750% | — | Standard | | **Personal/Lifestyle Loan** personal | — APR | 12.000% | — | Standard | Bluestone Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Visa Platinum & Classic** credit_card_platinum | — APR | 9.750% | — | Standard | | **Visa Classic** credit_card | 9.750% APR | 9.750% | — | Standard | Bluestone Credit Union credit card rates as of November 12, 2026 Credit card rates from 9.75% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/bluestone) , verified from [Bluestone Credit Union's official website](https://www.bluestonefcu.org/) Loading branch locator… ## About Bluestone Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 11.7K Assets $212.6M Founded 1938 Locations reported 3 NCUA charter 2874 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 - Financial counseling - Financial education - First-time homebuyer program 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. [**Levo** South Cliff Branch · Sioux Falls · SD · 57108 About 0.9 miles away](https://rateapi.dev/credit-unions/south-dakota/levo) [**Voyage** Main · Sioux Falls · SD · 57105 About 3.5 miles away](https://rateapi.dev/credit-unions/south-dakota/voyage) [**Service First** Southwest Branch · Sioux Falls · SD · 57105 About 3.7 miles away](https://rateapi.dev/credit-unions/south-dakota/service-first) [**Explorers** Tea · Tea · SD · 57064 About 8.7 miles away](https://rateapi.dev/credit-unions/south-dakota/explorers) [**Dakotaland** Madison Branch · Madison · SD · 57042 About 41.2 miles away](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**East River** East River FCU · Madison · SD · 57042-2916 About 41.7 miles away](https://rateapi.dev/credit-unions/south-dakota/east-river) 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 Bluestone Credit Union Membership eligibility from Bluestone Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Bluestone Credit Union's website. Check the membership page below to confirm whether you qualify. - Location lincoln, minnehaha, lyon, plymouth, sioux, woodbury, murray, nobles, pipestone, rock, antelope, boone, cedar, dakota, dixon, holt, knox, madison, pierce, platte, stanton, wayne, wheeler, bon homme, brookings, clark, clay, codington, deuel, douglas, grant, hamlin, hutchinson, kingsbury, lake, mccook, miner, moody, turner, union, yankton — SD, IA, MN, NE Verified from [Bluestone Credit Union's membership page](https://www.bluestonefcu.org/join-us/) . Final membership determination is always made by the credit union. ## Membership rules for Bluestone Credit Union Geography 43 counties · Family 173 published paths to membership, last verified August 27, 2026, quoted from Bluestone Credit Union’s own published criteria. ### Geography 43 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Antelope County, NE - Bon Homme County, SD - Boone County, NE - Brookings County, SD - Cedar County, NE - Clark County, SD - Clay County, SD - Codington County, SD - Dakota County, NE - Deuel County, SD - Dixon County, NE - Douglas County, SD - Grant County, SD - Hamlin County, SD - Holt County, NE - Hutchinson County, SD - Kingsbury County, SD - Knox County, NE - Lake County, SD - Lincoln County, MN - Lincoln County, SD - Lyon County, IA - Lyon County, MN - Madison County, NE - Mccook County, SD - Miner County, SD - Minnehaha County, SD - Moody County, SD - Murray County, MN - Nobles County, MN - Pierce County, NE - Pipestone County, MN - Platte County, NE - Plymouth County, IA - Rock County, MN - Sioux County, IA - Stanton County, NE - Turner County, SD - Union County, SD - Wayne County, NE - Wheeler County, NE - Woodbury County, IA - Yankton County, SD “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Lincoln County, SD; Minnehaha County, SD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Show all 43 places ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of someone eligible Immediate family “Immediate family members of those persons identified above are also eligible.” > [source ↗](https://www.bluestonefcu.org/join-us/) - Family member (Immediate family) of an eligible person 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 Bluestone Credit Union? Yes No ## Work at Bluestone 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 Bluestone Credit Union ranks against South Dakota peers. - See which AI assistants fetched Bluestone 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=bluestone&state=south-dakota&code=SD&name=Bluestone%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Bluestone Credit Union offer? Bluestone Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Bluestone Credit Union rates updated? RateAPI verifies Bluestone Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Bluestone Credit Union's rate data? Rate data is collected directly from Bluestone Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Bluestone Credit Union? Bluestone Credit Union publishes its membership criteria on its own website. RateAPI tracks 173 published membership paths covering 43 counties for Bluestone Credit Union, each quoted from Bluestone Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Bluestone Credit Union's rates against national credit-union benchmarks. [More South Dakota credit unions](https://rateapi.dev/credit-unions/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) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.bluestonefcu.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 Bluestone 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 Bluestone Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /bluestone " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Bluestone Credit Union locations Search, filter, and browse all 3 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/bluestone Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp