Credit Cards · South Dakota
19 credit unions in South Dakota report credit card APRs to the NCUA. Rates range from 6.88% to 13.71%.
Updated Q1 2026 · NCUA Call Report data
19
CUs Reporting Rates
6.88%
Lowest Card APR
10.66%
State Average APR
12
Cities Covered
19 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | VOYAGE Sioux Falls | 6.88% | 15.00% |
| 2 | ASPEN Rapid City | 7.00% | 10.75% |
| 3 | DAKOTA STAR RAPID CITY | 8.50% | 9.90% |
| 4 | DACOTAH Rapid City | 8.90% | 12.30% |
| 5 | BLACK HILLS Rapid City | 8.90% | 11.00% |
| 6 | OAHE Pierre | 9.90% | 9.90% |
| 7 | HIGHMARK RAPID CITY | 10.00% | 15.00% |
| 8 | BLUESTONE Sioux Falls | 10.02% | 11.54% |
| 9 | RUSHMORE ELECTRIC Rapid City | 10.50% | 13.20% |
| 10 | AVANTI WATERTOWN | 11.00% | 12.22% |
| 11 | LEVO Sioux Falls | 11.20% | 11.49% |
| 12 | DAKOTALAND Huron | 11.53% | 10.72% |
| 13 | HEALTHCARE PLUS Aberdeen | 11.90% | 12.50% |
| 14 | CONSUMER'S Gregory | 11.99% | 14.00% |
| 15 | SENTINEL BOX ELDER | 12.33% | 11.75% |
| 16 | LAKOTA Kyle | 12.33% | 11.46% |
| 17 | M O Huron | 12.90% | 9.69% |
| 18 | DAKOTA PLAINS Lemmon | 12.99% | 13.99% |
| 19 | EXPLORERS YANKTON | 13.71% | 13.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in South Dakota accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in South Dakota offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.