Area Credit Union
Verified rate book
Current Area Credit Union rates
20 published offers verified as of August 4, 2026.
Mortgage rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| RESIDENTIAL CONSTRUCTION LOANother | 4.875% APR | 4.875% | — | Standard |
| REAL ESTATE LOANother | 6.750% APR | 6.750% | — | Standard |
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loanauto_new | 5.240% APR | 5.240% | new | Standard |
| RV Loanrv | 5.240% APR | 5.240% | — | Standard |
| Used Auto Loanauto_used | 5.240% APR | 5.240% | used | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 5.750% APR | 5.750% | — | Standard |
| Home Equity Loan (Fixed)heloc_fixed | 6.750% APR | 6.875% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 2.000% APR | 2.000% | — | Standard |
| OTHER SECURED LOANpersonal_secured | 5.240% APR | 5.240% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 13.250% APR | 13.250% | — | Standard |
| Personal Line of Creditploc_variable | 13.250% APR | 13.250% | — | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| SUPER SHARESsavings | 1.01% APY | 1.01% | — | Standard |
| EDUCATION IRA SHARESira | 2.53% APY | 2.53% | — | Standard |
| 24-Month Certificatecd_24mo | 3.29% APY | 3.29% | 24 mo | Standard |
| 18-Month Certificatecd_18mo | 3.55% APY | 3.55% | 18 mo | Standard |
| 3-Month Certificatecd_3mo | 3.55% APY | 3.55% | 3 mo | Standard |
| 12-Month Certificatecd_12mo | 3.79% APY | 3.80% | 12 mo | Standard |
| 6-Month Certificatecd_6mo | 3.80% APY | 3.79% | 6 mo | Standard |
| 12 MONTH GEN Y CDcd_12mo | 3.80% APY | 3.80% | 12 mo | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Business Loanbusiness | 6.750% % | 6.750% | — | Standard |
As of August 4, 2026, Area Credit Union offers mortgage rates from 4.875% APR. Vehicle loans available from 5.24% APR. HELOC rates from 5.75% APR. Personal loan rates from 2% APR. Savings and certificate yields up to 3.80% APY.
Source: RateAPI.dev, verified from Area Credit Union's official website
Latest available market position · Snapshot July 25, 2026
Area Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other SD credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| HELOC (best offer) | 5.75% APR | #3 of 11 · top 28% | 3.99% | 6.75% | 100 bp better than state median |
| Personal Loan (unsecured, best offer) | 13.25% APR | #15 of 16 · top 94% | 6.00% | 10.50% | 275 bp behind state median |
| 12-Month CD (best APY) | 3.80% APY | #1 of 11 · top 10% | 3.80% | 3.30% | 50 bp better than state median |
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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. 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.
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.
Community charter: live/work in Brown, Codington, Day +3 more
- LocationBrown, Codington, Day, Edmunds, Spink, Walworth
Verified from Area Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Area Credit Union?
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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 August 4, 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 August 4, 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 is Area Credit Union's mortgage rate?
As of August 4, 2026, Area Credit Union offers mortgage rates from 4.875% APR.
What are Area Credit Union's auto & rv loan rates?
As of August 4, 2026, Area Credit Union offers vehicle loans from 5.24% APR.
What is Area Credit Union's HELOC rate?
As of August 4, 2026, Area Credit Union offers home equity lines of credit from 5.75% APR.
What is Area Credit Union's personal loan rate?
As of August 4, 2026, Area Credit Union offers personal loans from 2% APR.
What is Area Credit Union's best CD rate?
As of August 4, 2026, Area Credit Union offers savings and certificate (CD) yields up to 3.80% APY.
Related Rate Data
Compare Area Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Area Credit Union rates
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# Get rates for Area Credit Union
curl "https://api.rateapi.dev/credit-unions/south-dakota/area" \
-H "Authorization: Bearer YOUR_API_KEY"