Dakota Rail Line Mortgage, Auto Loan & Personal Loan Rates & Who Can Join

Who Can Join Dakota Rail Line

Membership eligibility from Dakota Rail Line's own published criteria. How we verify this.

Community charter: live/work in Aurora, Beadle, SD

LocationAurora, Beadle — SD

Verified from Dakota Rail Line's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

savings

1.000% APR

Rate1.000%

Points0

Investor's Choice ($100,000 Plus)

ira

1.250% APR

Rate1.250%

Points0

IRA Accounts ($50 - $2,500)

savings

1.250% APR

Rate1.250%

Points0

Investor's Choice ($250,000 Plus)

ira

1.750% APR

Rate1.750%

Points0

IRA Accounts ($2,500 Plus)

ira

2.250% APR

Rate2.250%

Points0

IRA Accounts ($10,000 Plus)

savings

2.500% APR

Rate2.500%

Points0

Investor's Choice ($500,000 Plus)

savings

3.000% APR

Rate3.000%

Points0

Investor's Choice ($750,000 Plus)

cd_60mo

3.000% APR

Rate3.000%

Points0

Standard CD 60 Month

cd_60mo

3.000% APR

Rate3.000%

Points0

Standard Rates (60 Month)

cd_48mo

3.100% APR

Rate3.100%

Points0

Standard CD 48 Month

cd_48mo

3.100% APR

Rate3.100%

Points0

Standard Rates (48 Month)

cd_36mo

3.150% APR

Rate3.150%

Points0

Standard CD 36 Month

cd_36mo

3.150% APR

Rate3.150%

Points0

Standard Rates (36 Month)

cd_6mo

3.250% APR

Rate3.250%

Points0

Standard CD 6 Month

cd_6mo

3.250% APR

Rate3.250%

Points0

Standard Rates (6 Month)

cd_12mo

3.300% APR

Rate3.300%

Points0

Standard CD 12 Month

cd_24mo

3.300% APR

Rate3.300%

Points0

Standard CD 24 Month

cd_12mo

3.300% APR

Rate3.300%

Points0

Standard Rates (12 Month)

cd_24mo

3.300% APR

Rate3.300%

Points0

Standard Rates (24 Month)

cd_18mo

3.400% APR

Rate3.400%

Points0

Standard CD 18 Month

cd_18mo

3.400% APR

Rate3.400%

Points0

Standard Rates (18 Month)

cd_15mo

3.750% APR

Rate3.750%

Points0

CD Special 15 Month

cd_15mo

3.750% APR

Rate3.750%

Points0

CD Specials (15 Month)

cd_10mo

3.800% APR

Rate3.800%

Points0

CD Special 10 Month

cd_10mo

3.800% APR

Rate3.800%

Points0

CD Specials (10 Month)

Auto Loan Rates

Rates as of July 11, 2026

auto

4.750% APR

Rate4.750%

Auto Loan

auto

4.750% APR

Rate4.750%

Recreational Vehicle Loan

auto

4.750% APR

Rate4.750%

[PROMOTIONAL] Auto Loan

auto_any_12mo

8.440% APR

Rate8.440%

Auto Loan (12 Months)

credit_card

9.900% APR

Rate9.900%

VISA Credit Card

Personal Loan Rates

Rates as of July 11, 2026

personal_secured

2.000% APR

Rate2.000%

Certificate Secured Loan

personal_secured

4.270% APR

Rate4.270%

Share Secured Loan

personal_unsecured

11.320% APR

Rate11.320%

Life Event/Personal Loan

personal

13.000% APR

Rate13.000%

Overdraft Protection

Frequently Asked Questions

What rates does Dakota Rail Line offer?

Dakota Rail Line currently offers mortgage, auto loan, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Dakota Rail Line rates updated?

RateAPI verifies Dakota Rail Line's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Dakota Rail Line's rate data?

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

What is Dakota Rail Line's mortgage rate?

As of July 11, 2026, Dakota Rail Line offers a savings mortgage at 1% APR.

What is Dakota Rail Line's auto loan rate?

As of July 11, 2026, Dakota Rail Line offers auto loans from 4.75% APR.

Related Rate Data

Compare Dakota Rail Line's rates against national credit-union benchmarks.

More South Dakota credit unions Mortgage rate benchmark Auto loan rate benchmark Personal loan rates How 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 Dakota Rail Line
curl "https://api.rateapi.dev/credit-unions/south-dakota/dakota-rail-line" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude