--- title: "Service First Credit Union Rates - South Dakota" description: "Current auto loan, heloc, personal loan, and savings & cd rates from Service First Credit Union in South Dakota. Updated daily with source verification. See who can join Service First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/south-dakota/service-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Service First Credit Union Rates - South Dakota ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.150% | — | Standard | | **84-Month Auto Loan (2025 and Newer)** auto_any_84mo | — APR | 4.750% | 84 mo | Standard | | **72 Months (2021-2022 Only)** auto_any_72mo | — APR | 5.950% | 72 mo | Standard | Service First Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | | **Interest Only (HELOC)** heloc_variable | — APR | 8.500% | — | Standard | Service First Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.300% | — | Standard | Service First Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 19 offers | Product | Published | Rate | Term / condition | Status | | **$0 - $4,999.99** savings | — APY | 0.05% | — | Standard | | **Savings** share_savings | — APY | 0.05% | — | Standard | | **$5,000 - $19,999.99** savings | — APY | 0.07% | — | Standard | | **$20,000 Or More** savings | — APY | 0.10% | — | Standard | | **$999.99 And Under** savings | — APY | 0.25% | — | Standard | | **$4,999.99 And Under** savings | — APY | 0.50% | — | Standard | | **$5,000 - $9,999.99** savings | — APY | 0.75% | — | Standard | | **$10,000 - $24,999.99** savings | — APY | 1.00% | — | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 1.00% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 1.00% | 60 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 1.25% | 36 mo | Standard | | **$25,000 - $49,999.99** savings | — APY | 1.25% | — | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 1.50% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 1.75% | 18 mo | Standard | | **$50,000 - $99,999.99** savings | — APY | 1.75% | — | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 2.00% | 12 mo | Standard | | **$100,000 And Up** savings | — APY | 2.00% | — | Standard | | **Certificate** share_certificate | — APY | 3.00% | — | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.00% | 6 mo | Standard | Service First Credit Union savings & cd rates as of November 12, 2026 Service First Credit Union is a credit union in South Dakota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/south-dakota/service-first) , verified from [Service First Credit Union's official website](https://www.servicefirstfcu.org/) Loading branch locator… ## About Service First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 16.5K Assets $210.1M Founded 1934 Locations reported 3 NCUA charter 77 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 - Bilingual services - 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. [**Levo** Administration Building · Sioux Falls · SD · 57103 About 0.6 miles away](https://rateapi.dev/credit-unions/south-dakota/levo) [**Voyage** Dawley Farm Branch · Sioux Falls · SD · 57110 About 1.9 miles away](https://rateapi.dev/credit-unions/south-dakota/voyage) [**Bluestone** East Branch · Sioux Falls · SD · 57110-4412 About 2.0 miles away](https://rateapi.dev/credit-unions/south-dakota/bluestone) [**Explorers** Tea · Tea · SD · 57064 About 10.8 miles away](https://rateapi.dev/credit-unions/south-dakota/explorers) [**Dakotaland** Madison Branch · Madison · SD · 57042 About 37.8 miles away](https://rateapi.dev/credit-unions/south-dakota/dakotaland) [**East River** East River FCU · Madison · SD · 57042-2916 About 38.4 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 Service First Credit Union Membership eligibility from Service First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Service First Credit Union's website. Check the membership page below to confirm whether you qualify. - Location bon homme, brookings, clark, clay, codington, deuel, douglas, grant, hamlin, hutchinson, kingsbury, lake, lincoln, mccook, miner, minnehaha, moody, turner, union, yankton, lyon, plymouth, sioux, woodbury, murray, nobles, pipestone, rock, antelope, boone, cedar, dakota, dixon, holt, knox, madison, pierce, platte, stanton, wayne, wheeler — SD, IA, MN, NE Verified from [Service First Credit Union's membership page](https://www.servicefirstfcu.org/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Service First Credit Union Geography 43 counties 172 published paths to membership, last verified November 8, 2026, quoted from Service First 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 November 8, 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: Minnehaha County, SD” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Show all 43 places 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 Service First Credit Union? Yes No ## Work at Service First 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 Service First Credit Union ranks against South Dakota peers. - See which AI assistants fetched Service First 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=service-first&state=south-dakota&code=SD&name=Service%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Service First Credit Union offer? Service First Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Service First Credit Union rates updated? RateAPI verifies Service First 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 Service First Credit Union's rate data? Rate data is collected directly from Service First 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 Service First Credit Union? Service First Credit Union publishes its membership criteria on its own website. RateAPI tracks 172 published membership paths covering 43 counties for Service First Credit Union, each quoted from Service First Credit Union's own published membership criteria. ## Related Rate Data Compare Service First 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) [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.servicefirstfcu.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 Service First 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 Service First Credit Union curl "https://api.rateapi.dev/credit-unions/south-dakota /service-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Service First 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/service-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp