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Avanti

PO BOX 534, Watertown, SD 57201
NCUA Insured3.8 (29 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 534

Watertown, SD 57201

Service Area

This credit union is located in Watertown and serves members in the SD area. Currently serving 2,967 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.62%

Used Auto Loan

8.24%

Personal Loan

14.08%

Credit Card APR

10.70%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SD

Lowest rates currently reported by credit unions in SD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.8

29 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Kameron Severson

Kameron Severson

5 months ago

Absolutely horrible ! They allowed a joint account without my consent! They also willing gave out my account info to anyone that had my info ! Transferred fund without verifying who I am! Ect! Worst credit union ever

toby kangas

toby kangas

a year ago

We opened Kids Club savings accounts here a couple years ago for our children. Just received a letter that they are charging a "dormant account" fee, because there has not been enough activity (deposits or withdrawals). Looked at their statements and Avanti has already withdrawn $5/month in fees for the last 3 months. Really Avanti??? You are not content to let kids' money sit there??? I thought Kids Club accounts were supposed to encourage kids to save?? You are sending the opposite message here. Would you like to explain to a kindergartner why her savings account dropped from $32 to $17 over the course of one statement?? Or to a second grader why his dropped from $58 to $43 over the same statement period?? I'm sorry they don't have direct deposit, they're not quite old enough for a steady job yet. Parents with Kids Club accounts: if your kids are not depositing money regularly, make sure to go there every couple months and withdraw $5, then put it back in. Or just withdraw it and go buy ice cream. If you don't withdraw it, Avanti will for you.

Whitney H

Whitney H

11 months ago

Has gone downhill and customer service is not up to par. Being a member owned business, the board needs to be more transparent with what is really going on.

Dustin Roggenbuck

Dustin Roggenbuck

12 years ago

I was very dissatisfied with the unfortunate dealings with Avanti Credit Union. I spoke to a loan officer and expressed my disgust for the way they handled selling a repossessed vehicle. I spoke to the board members who did not seem very sincere with my problems. I was told to, "Give me a break" by the loan officer. I was also told by one of the board members that, "It would be best that you would not call our Loan Officer again because she was very upset, because one of our Board Members is a Police Officer in Watertown." I do not know what they meant by this, but overall I would give them a 0 out of 5. I would not deposit $.02 with this bank/"non-profit" (Non-taxable) credit union. That is my $.02... Why would you give these guys your money when they do not even pay for your local schools?!?

robbie stowell

robbie stowell

2 years ago

Seth is a GEM. I don't personally bank there but if I lived in Watertown I would.100% He helped me out numerous times over the last year and is always so courteous and kind. Thank you sir, I appreciate all you have done.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).