Service First Credit Union
Verified rate book
Current Service First Credit Union rates
24 published offers verified as of August 4, 2026.
Auto & vehicle rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.150% APR | 4.150% | — | Standard |
| 84-Month Auto Loan (2025 and Newer)auto_any_84mo | 4.750% APR | 4.750% | 84 mo | Standard |
| 72 Months (2021-2022 Only)auto_any_72mo | 5.950% APR | 5.950% | 72 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 7.500% APR | 7.500% | — | Standard |
| Interest Only (HELOC)heloc_variable | 8.500% APR | 8.500% | — | Standard |
Personal loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 9.300% APR | 9.300% | — | Standard |
Savings & CD rates
18 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| $0 - $4,999.99savings | 0.05% APY | 0.05% | — | Standard |
| Savingsshare_savings | 0.05% APY | 0.05% | — | Standard |
| $5,000 - $19,999.99savings | 0.07% APY | 0.07% | — | Standard |
| $20,000 Or Moresavings | 0.10% APY | 0.10% | — | Standard |
| $999.99 And Undersavings | 0.25% APY | 0.25% | — | Standard |
| $4,999.99 And Undersavings | 0.50% APY | 0.50% | — | Standard |
| $5,000 - $9,999.99savings | 0.75% APY | 0.75% | — | Standard |
| $10,000 - $24,999.99savings | 1.00% APY | 1.00% | — | Standard |
| 60-Month Certificateshare_certificate_60mo | 1.00% APY | 1.00% | 60 mo | Standard |
| 48-Month Certificateshare_certificate_48mo | 1.00% APY | 1.00% | 48 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 1.25% APY | 1.25% | 36 mo | Standard |
| $25,000 - $49,999.99savings | 1.25% APY | 1.25% | — | Standard |
| 24-Month Certificateshare_certificate_24mo | 1.50% APY | 1.50% | 24 mo | Standard |
| $50,000 - $99,999.99savings | 1.75% APY | 1.75% | — | Standard |
| 18-Month Certificateshare_certificate_18mo | 1.75% APY | 1.75% | 18 mo | Standard |
| $100,000 And Upsavings | 2.00% APY | 2.00% | — | Standard |
| 12-Month Certificateshare_certificate_12mo | 2.00% APY | 2.00% | 12 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.00% APY | 3.00% | 6 mo | Standard |
Auto loans available from 4.15% APR. HELOC rates from 7.5% APR. Personal loan rates from 9.3% APR. Savings and certificate yields up to 3.00% APY.
Source: RateAPI.dev, verified from Service First Credit Union's official website
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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. 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 Service First Credit Union
Membership eligibility from Service First Credit Union's own published criteria. How we verify this.
Community charter: live/work in Bon Homme, Brookings, Clark +38 more, SD, IA, MN +1 more
- LocationBon 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. Final membership determination is always made by the credit union.
Work at Service First Credit Union?
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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 August 4, 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 August 4, 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.
What are Service First Credit Union's auto loan rates?
As of August 4, 2026, Service First Credit Union offers auto loans from 4.15% APR.
What is Service First Credit Union's HELOC rate?
As of August 4, 2026, Service First Credit Union offers home equity lines of credit from 7.5% APR.
What is Service First Credit Union's personal loan rate?
As of August 4, 2026, Service First Credit Union offers personal loans from 9.3% APR.
What is Service First Credit Union's best CD rate?
As of August 4, 2026, Service First Credit Union offers savings and certificate (CD) yields up to 3.00% APY.
Related Rate Data
Compare Service First 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
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View MethodologyTrack Service First Credit Union rates
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# Get rates for Service First Credit Union
curl "https://api.rateapi.dev/credit-unions/south-dakota/service-first" \
-H "Authorization: Bearer YOUR_API_KEY"