Personal Accounts

Enjoy ultimate flexibility and peace of mind with 24-hour access to your money when you open an account at Dakotaland Federal Credit Union. No monthly maintenance fees. No minimum or maximum balance required. No per check charges. No gotchas. Just easy and free.

Basic Savings

Our basic interest bearing Saving Account establishes your lifetime membership with the Credit Union and is the foundation of your financial plan.

  • Maintain a minimum balance in your account of $5 and you are a member for life
  • Earn dividends on balances of $100 or more
  • Utilize a Dakotaland ATM Card to withdraw funds from your account
  • Access your account 24-hours a day with Touchtone Teller, e*Teller or using our Mobile Banking App

ATM Cards

With your savings and/or checking account at Dakotaland, you have the option of applying for a FREE Advantage ATM card.

You can use your ATM Card at any Dakotaland ATM or from thousands of other surcharge free ATM's on the Advantage Network.  

Every member has a four-digit PIN (Personal Identification Number), as a matter of security, that must be keyed in before transactions can be performed. An ATM card gives you access to your funds 24 hours a day, 7 days a week. Apply for your ATM card today and you'll receive all of the benefits including:

  • FREE service for having a Dakotaland account
  • Faster then checks and better than cash
  • VISA Secure verifies card ownership when making online purchases
  • Use your ATM Card for withdrawals, transfers, loan payments and balance inquiries
  • Thousands of surcharge free ATMs worldwide on the Advantage Network
  • FREE unlimited transactions when you use any Dakotaland issued ATM Card
  • Access to Co-Op Network ATM Machines


No need to pay unwanted fees on your checking account; switch to your Credit Union's "Still Free" Checking. It's easy and check out this list of features. We also offer Business Checking and Youth Accounts.

  • No monthly service or maintenance fees
  • Free Overdraft Protection
  • No minimum balance required
  • Free electronic statements with e*Statements
  • Free checks with a new account
  • Free 24-hour account access with our e*Teller
  • Receive immediate credit on deposits
  • Free ATM | Check Card
  • Earn 0.05% APY on balances of $2,500 or more
  • Free check imaging
  • Unlimited check writing privileges
  • Free online account access with e*Teller
  • Worry free Payroll Deduction and Direct Deposit
  • Convenient Automatic Transfers
  • Free online Bill Pay

Debit Cards

A Dakotaland FREE Advantage ATM & Debit | Check Card is actually two products on one piece of plastic. It's an ATM card allowing you 24-hour access to your checking & savings accounts and it's a Debit | Check Card allowing you access to your checking account for purchases at millions of merchants that accept Debit/Check Cards. Such a card allows members to access their funds immediately, electronically. Unlike a credit card, a debit | check card transaction posts immediately from the available balance in the cardholder's account. If the available funds are insufficient, the transaction is declined. A debit | check card is faster than paper checks and is safer than cash. For added security, your Credit Union offers VISA Secure which verifies card ownership when the cardholder wishes to make online purchases. Apply for your Debit | Check Card today.

  • Free service at your Credit Union
  • Faster then checks and better than cash
  • VISA Secure verifies card ownership when making online purchases
  • Use your ATM Card for withdrawals, transfers, loan payments and balance inquiries
  • Thousands of surcharge free ATMs worldwide on the Advantage Network
  • Access to Co-Op Network ATM Machines

EMV Chip Card

In 2016, we replaced magnetic strip cards with chip cards. This gives you greater fraud protection when you use your card at a chip-activated terminal. It's not only more secure, but also easy to use. Benefits of an EMV Chip Card include: 

When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

More merchants are accepting chip transactions every day. Whether you check out using chip technology or swipe your card, you can pay with confidence wherever VISA credit cards are accepted.

Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts. Keep in mind, you can continue to use your chip card online and over the phone the same way you do today.

Youth Accounts

  • Basic Savings Account
    Open a Basic Savings Account for just $5 to secure a FREE lifetime membership.
  • Youth Certificate of Deposit
    For longer term savings, open a Youth CD. Get started for only $100 with a 12 month term. This option allows you, and your child, to work toward a solid financial future.
  • Free Checking Account
    An ideal option for students and teens, with no monthly service fees, no minimum balance requirements and a FREE ATM/Debit Card.
  • Student VISA Credit Card
    Our low limit, low interest rate credit card allows parents to set spending limits and monitor account activity.
  • e*Teller & Mobile Banking App
    In a technology driven world, our online e*Teller and Mobile Banking App can also help our young members accomplish financial responsibility. Both you and your child can have free, fast and secure access to view balances, make deposits and transfers, set up text alerts and more with these free electronic services.

No matter what route you decide to go, know that starting early is the best way to build responsible financial habits for your child.

Christmas Club

A Christmas Club Account allows you to save throughout the year for the holidays. You can set up Automatic Transfers or make your own deposits. It's a great way to pay yourself first and be prepared for those holiday expenses.

  • NO monthly service charges
  • Funds may be withdrawn early without penalty
  • Earn dividends on balances of $100 or more

Investors Choice

Investor's Choice Account gives you the flexibility to invest money at a higher rate than a Basic Savings Account, without locking your money into a specific term as you would with a Certificate of Deposit. If you're looking for a higher rate, easy access and federally-insured security for your savings, this account is for you.

  • There's no minimum to open your account
  • With a deposit as low as $500 you will begin earning dividends
  • Make deposits and withdrawals anytime with no penalty
  • Dividend rates are tiered to reward you as your money grows
  • Rates are subject to change at any time

Life Event Savings

Here's your opportunity to personalize a savings account at your Credit Union. Setting up a savings plan for that new car? Feel free to name it "My Little Red Mustang" account. How about your wedding or maybe your daughter's wedding? An "I Do" account is all about you. Trying to put money away for a vacation? A "Tan in the Sand" account will put a smile on your face. The name you select for each of your life event accounts will appear on your statement so you can easily track your progress toward your savings goals.

Certificates of Deposit

A Certificate of Deposit earns interest at a fixed rate over a set period of time. The interest rate is usually a higher rate or APY than the Basic Savings Account, because the money cannot be withdrawn until maturity or an early withdrawal penalty may apply. You may wish to consider a Certificate of Deposit if you want to earn additional interest and won't need access to the money in the near future.

  • Start with a minimum deposit as low as $500
  • Youth Certificates available for members age 18 and under (as low as $100 deposit)
  • Choose a maturity date from 6 to 60 months
  • Dividends may be paid to you or reinvested back into the certificate quarterly
  • CDs with a term of 24 months or longer will have a one time rate change option, specials excluded
  • Money put into a Individual Retirement Account (IRA) can be invested in an IRA Certificate of Deposit. Since you will not be accessing the money until retirement, you can place the money in CDs with longer maturity periods. CDs may pay higher interest rates and offer a safe, fixed return.
  • IRA Certificates of Deposit are a great way to make sure your IRA does not lose money even if the stock market declines. Your Credit Union CDs, fully covered by NCUA Insurance up to $250,000, can help protect and balance any IRA portfolio.


An Individual Retirement Account or IRA, is a self-funded retirement plan that allows you to contribute a limited yearly amount toward your retirement. Funds are invested at competitive compounding rates. Taxes on the interest earned in the account are deferred. Each IRA Account is Insured separately up to an additional $250,000 by NCUA.

  • IRA certificate of deposit options are also available. Your IRA is able to take all of the money that is invested in certificates of deposit, which may allow you to access higher interest rates for a set period of time. 
  • IRA's may provide potential tax benefits. Be sure to speak with your tax adviser to find the benefits that may be available to you. 

Traditional IRA

A Traditional IRA is a tax-deferred individual retirement account. Traditional IRA contributions are tax-deductible at the time they are deposited and both the principal and the interest earned in the account are taxed as regular income when they are withdrawn as distributions.

Roth IRA

A Roth IRA is an individual retirement account that provides tax-free growth. Roth IRA contributions are fully taxable at the time they are deposited and both the principal and the interest earned in the account are tax-free when they are withdrawn as distributions.

Education IRA

An Education IRA is a tax-qualified savings account available only to children under the age of 18 and designed to accumulate savings to pay for education expenses. Education IRAs, now known as the Coverdell Education Savings Account is really not an IRA at all, but a new way to save for qualified higher education expenses such as tuition, fees, books, supplies, equipment (including the purchase of a computer, educational software and internet access) required for college, vocational, public and private elementary and high schools.