Personal Loans · Rapid City, South Dakota
7 credit unions in Rapid City report personal loan rates to the NCUA. Rates range from 9.90% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
9.90%
Lowest Rate
12.15%
City Average Rate
7 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | DAKOTA STAR ★ 4.3 · 7 reviews | 9.90% | 8.50% |
| 2 | ASPEN ★ 4.1 · 42 reviews | 10.75% | 7.00% |
| 3 | BLACK HILLS ★ 2.5 · 64 reviews | 11.00% | 8.90% |
| 4 | DACOTAH ★ 4.4 · 14 reviews | 12.30% | 8.90% |
| 5 | MINUTEMAN ★ 3.5 · 17 reviews | 12.90% | — |
| 6 | RUSHMORE ELECTRIC | 13.20% | 10.50% |
| 7 | HIGHMARK ★ 3.7 · 101 reviews | 15.00% | 10.00% |
If you have high-rate credit card balances, a personal loan from a Rapid City credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.