--- title: "HB Telco Credit Union Rates: CDs to 0.10%, Personal 10.50%" description: "HB Telco Credit Union rates today: savings & CDs up to 0.10% APY, personal loans from 10.50% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join HB Telco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/hb-telco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # HB Telco Credit Union Rates: CDs to 0.10%, Personal 10.50% ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Signature Loan** personal_unsecured | 10.500% APR | 10.500% | — | Standard | | **Personal Line of Credit** ploc_variable | 11.000% APR | 11.000% | — | Standard | HB Telco Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **$100 Minimum To Earn Dividends** savings | 0.10% APY | 0.10% | — | Standard | | **12 Month Certificates (youth - under 18)** cd_12mo | — APY | 3.25% | 12 mo | Eligibility restricted | HB Telco Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **2022 – Newer** other | 5.500% % | 5.500% | — | Standard | HB Telco Credit Union other rates as of November 13, 2026 Personal loan rates from 10.5% APR. Savings and certificate yields up to 0.10% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/hb-telco) , verified from [HB Telco Credit Union's official website](https://hbtelcofcu.com/) Best product position **Room to improve vs. the South Dakota median** personal loan Gap to state best **150 bp** 150 bp from state best Vs. state median **120 bp behind median** personal loan Products ranked **1** across tracked South Dakota markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 10.50% | Room to improve vs. the South Dakota median | 150 bp from state best | 120 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim HB Telco 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=hb-telco&state=south-dakota&code=SD&name=HB%20Telco%20Credit%20Union) Loading branch locator… ## About HB Telco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 788 Assets $4.9M Founded 1954 Locations reported 2 NCUA charter 9888 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - 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** Administration Center · Huron · SD · 57350 Branch in the same ZIP](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**Dakota Rail Line** DAKOTA RAIL LINE MAIN BRANCH · HURON · SD · 57350-1614 About 1.6 miles away](https://rateapi.dev/credit-unions/south-dakota/dakota-rail-line) [**M O** M-O Federal Credit Union · Huron · SD · 57350 About 3.3 miles away](https://rateapi.dev/credit-unions/south-dakota/m-o) [**Huron Area Education** HAEFCU OFFICE · HURON · SD · 57350-6582 About 3.6 miles away](https://rateapi.dev/credit-unions/south-dakota/huron-area-education) [**East River** East River FCU · Madison · SD · 57042-2916 About 60.3 miles away](https://rateapi.dev/credit-unions/south-dakota/east-river) [**Area** Watertown Temporary Branch · Watertown · SD · 57201 About 63.9 miles away](https://rateapi.dev/credit-unions/south-dakota/area) 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 HB Telco Credit Union Membership eligibility from HB Telco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on HB Telco Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [HB Telco Credit Union's membership page](https://hbtelcofcu.com/) . Final membership determination is always made by the credit union. ## Membership rules for HB Telco Credit Union Family 1 published path to membership, last verified August 21, 2026, quoted from HB Telco Credit Union’s own published criteria. ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Family Membership LET US GROW WITH YOU!” > [source ↗](https://hbtelcofcu.com/) - Family member 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 HB Telco Credit Union? Yes No ## Work at HB Telco 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 HB Telco Credit Union ranks against South Dakota peers. - See which AI assistants fetched HB Telco 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=hb-telco&state=south-dakota&code=SD&name=HB%20Telco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does HB Telco Credit Union offer? HB Telco Credit Union currently offers 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 HB Telco Credit Union rates updated? RateAPI verifies HB Telco 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 HB Telco Credit Union's rate data? Rate data is collected directly from HB Telco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is HB Telco Credit Union's personal loan rate? As of November 13, 2026, HB Telco Credit Union offers personal loans from 10.5% APR. ### What is HB Telco Credit Union's best CD rate? As of November 13, 2026, HB Telco Credit Union offers savings and certificate (CD) yields up to 0.10% APY. ### Who can join HB Telco Credit Union? HB Telco Credit Union publishes its membership criteria on its own website. RateAPI tracks 1 published membership path for HB Telco Credit Union, each quoted from HB Telco Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare HB Telco Credit Union's rates against national credit-union benchmarks. [More South Dakota credit unions](https://rateapi.dev/credit-unions/south-dakota) [South Dakota personal loan leaders](https://rateapi.dev/personal-loan-rates/south-dakota) [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://hbtelcofcu.com/) ### 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 HB Telco 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 HB Telco Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /hb-telco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## HB Telco 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/hb-telco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp