Personal Loans | Credit Cards

Your Credit Union has helped thousands of members finance the major (and many minor) purchases and expenses in their lives - cars, homes, education, home improvements, boats, computers and even that special vacation. Let us lend you a hand with a Dakotaland loan or VISA Credit Card today.

Take a look at all of the options your Credit Union can give you. If you have questions, or need more information, stop into any of our Dakotaland locations, call 800.440.6573 or e-mail at helpdesk@DakotalandFCU.com.

Remember you can apply online 24-hours a day, 7 days a week. Applying online is that simple and convenient.

Auto Loans

Fasten your seat belt. Dakotaland Federal Credit Union's low auto loan rates are exciting. But we don't mean to alarm you. In fact, your security is very important to us, and that's why we have included these other safety features: fast approval, flexible terms and friendly service. Now you'll be prepared to shift into gear and cruise on to the vehicle of your dreams with added assurance from Dakotaland.

Qualified borrowers can borrow up to 100% of the purchase price with no down payment for up to 72-months on new vehicles.

Dakotaland has saved thousands of dollars for its members by refinancing their existing auto loans. We may be able to save you money too. Contact one of our Dakotaland Loan Officers and we'll do a quick analysis to see how much money we can save you, or check out our Loan Calculator. Apply Online today.

Recreational Loans

Have some fun. Take a look at the great rates we have available on recreational vehicles for your fun in the sun or show in the snow. We make loans for buying or refinancing your recreational vehicle more affordable, easier to get and more flexible than you'll find elsewhere. Qualified borrowers can finance up to 100% of the purchase price with no money down for up to 60 months. Check out our Rates. Remember, you can Apply Online, any time, day or night.

  • Motorcycles
  • Boats and Trailers
  • ATVs
  • Motor Homes
  • Travel Trailers
  • Campers
  • Watercrafts
  • Snowmobiles

Life Event Loans

When a Dakotaland VISA or a Home Equity Loan are not the right fit, our Life Event Loan offers a competitive alternative. Secure the cash you need, when you need it, for that unique event in your life.

Your particular Life Event might be created by the arrival of a new baby, maybe your baby is about to graduate. Perhaps you are planning a wedding or a once-in-a-lifetime vacation. Regardless of your Life Event, Dakotaland is prepared to customize an installment loan to eliminate the worry from your very special Life Event.

Other Life Events might include: an adoption, a retirement, a reunion, an anniversary, or even a spring break. If it’s a life event, your Credit Union wants to help you celebrate.

Rates are based on your personal credit history with terms available up to 36 months. See our current Interest Rates and use our Loan Calculator to help you determine the loan financing and payment options that will be best for you. Repaying is easy. You can set up your loan for weekly, biweekly, monthly or semi-monthly payments. We want to hear about your big Life Event, see your Dakotaland Federal Credit Union Loan Officer today or Apply Online.

Student Loans & Consolidation

Learn about various options and planning tools for financing your or your child's education at Dakotaland Federal Credit Union.

We can help you:

  • Manage the cost of college education
  • Develop a financial plan to pay for college and related expenses
  • Understand how to apply and maximize federal aid
  • Explore other financing options that best suit your needs
  • Consolidate student loans and related debtConsolidate student loans and related debt
  • Find a competitive rate and repayment option that fits your budget

Federal loans not enough to cover the cost of your college education?
Student Loans available through Dakotaland Federal Credit Union can be the answer to your funding needs.

  • Borrow as little as $2,000 or up to Cost of Attendance per year for a maximum of $120,000 in undergraduate loans or $160,000 in graduate loans.
  • Choose between making interest payments or a nominal $25 Proactive Payment towards the loan while in school
  • Consolidate existing student loan debt
  • Use the funds for any qualified educational expense including tuition, room & board, books, and even computers.
  • Quick approval once we receive your completed application
  • No prepayment penalty and 30-day loan cancellation policy

Call 800.440.6573 and visit with your credit union loan officer regarding your free consultation and start planning for college today. Click Here for more information or to apply online.

Consolidation of existing student loan debt is an option and may be the solution to managing a student loan portfolio. Federal student loans and private student loans are eligible for consolidation. Click Here for more information or to apply online.

Home Loans

The right mortgage can make all the difference. That's why you should talk to Dakotaland Federal Credit Union's Real Estate Lending Team before financing your home. All of your payments and questions will be handled by our office, locally with someone you know.

The Dakotaland Federal Credit Union Real Estate Lending Program offers:

  • Standard Fixed Rate Conventional Loans
  • In-House Loans
  • Construction Loans
  • South Dakota Housing Loans (First Time Home Buyers)
  • Building Site Loans
  • Combination Modular or Manufactured Homes/Land Loans
  • Refinances
  • USDA Rural Development
  • Rentals
  • Home Improvement Loans
  • Home Equity Lines of Credit

The Dakotaland Real Estate Lending Team also has additional programs and grants available that may fit your specialized needs.

Speak to a loan officer for additional information or Apply Online.

VISA Credit Cards

You'll enjoy low rates and no annual fee when you choose a VISA Credit Card from Dakotaland Federal Credit Union. Consolidate credit cards or transfer your balance from any high rate interest credit card for savings and better money management. Apply Online today.

VISA Card Features:

  • No Annual Fee
  • Low Interest Rates - well below the national average and tiered based on credit history
  • Various Limit Options
  • 25 Day Interest-Free Grace Period On New Purchases
  • Free $100,000 Travel Insurance Coverage
  • Guaranteed Reservations - on late arrivals at participating hotels
  • Equipped with Verified by VISA - free identity confirmation for online transactions. To learn more, Click Here
  • Scorecard Rewards- Earn Bonus Points for every net dollar spent on purchases and redeem Bonus Points for travel, merchandise, car rentals, hotels, and more). To learn more, Click Here
  • Are you ready to combat debit/credit card fraud? If so, sign up for VISA Payment Alerts to receive an email or text message in seconds anytime a qualified Visa transaction takes place that meets your defined parameters.
  • Buying is better when paying is fast and secure Dakotaland Federal Credit Union simplifies online paymen

Student VISA Credit Cards

Dakotaland Federal Credit Union Student VISA – for when your student is away at school or traveling. Perfect for those emergency purchases or to help build your student's credit when used responsibly. Choose from a number of limit options and take advantage of a great rate with no annual fee. It's nice to know it's there when you can't be.

  • Must be 18 years of age or older to apply
  • Need not be an active student to qualify
  • May need to be secured by parent or guardian
  • Interest rate based on credit score and or verified ability to repay
  • Credit card limits begin at $200

VISA Card Features:

  • No Annual Fee
  • Low Interest Rates - well below the national average and tiered based on credit history
  • Manageable Limit Options
  • 25-Day Interest-Free Grace Period On New Purchases
  • Free $100,000 Travel Insurance Coverage
  • Equipped with Verified by VISA - free identity confirmation for online transactions
    To learn more, Click Here
  •  ScoreCard Rewards - Earn Bonus Points for every net dollar spent on purchases

To learn more, Click Here

Don't wait, Apply Today!