Credit Union
Interest Rates



At Vermillion Federal Credit Union, affordable, convenient credit is one of the benefits of your membership. The credit union is staffed by professional loan officers who are committed to offering you the best rates, the fastest service, and the most convenient selection of loan options you will find anywhere. We look forward to serving your borrowing needs. Please call us to discuss any of your borrowing needs and check out our current loan rates: 

   Vehicle Loans

 APR %

    Up to $5,000 6.00% Up to  36 months    
    $5,000 to $10,000 5.50% Up to  48 months    
    $10,000 to $15,000 5.00% Up to  60 months    
    $15,000 to $20,000 4.50% Up to  66 months    
    $20,000 to $25,000+ 4.00% Up to  72 months    

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     Other Loan

 APR %



    Holiday Loans 3.50%         Up to 12 months


    Home Equity 6.00%         Up to 60 months    
    Home Equity 7.00%         Up to 120 months    
    Home Improvement 6.00%         Up to 60 months    
    Home Improvement 7.00%         Up to 120 months    
    Signature Loans 9.00%         Up to 36 months    
    Signature Loans 12.00%         Over 36 months    
    VISA Credit Card 10.25%         No Annual Fee    

 Earn 1% OFF for "Green" Projects


***  ALL loans subject to eligibility requirements and credit approval


****  ALL rates are subject to change without notice, please contact the Loan Department for current rates.

     Deposit Accounts  

Because the credit union is a not-for-profit financial institution, we are able to channel the profits back to the members, keeping our deposit rates very competitive. Your deposits are federally insured through the National Credit Union Association (NCUA) in the National Credit Union Share Insurance Fund (NCUSIF). The fund is backed with the full faith and credit of the United States Government up to $250,000 per member account. The NCUSIF is one of the most strongly capitalized funds in the country and is funded only by credit unions for credit unions.

         Deposit Type

 APY %

          Regular Shares .05%         For balances of $50 or over  
          Share Drafts


        For balances of $1,000 or over  
          Share Certificates .10% 3 months $500 and higher  
            .07% 6 months Less than $10,000  
            .07% 6 months $10,000 and higher  
            .35% 12 months Less than $10,000  
            .40% 12 months $10,000 and higher  
            .40% 18 months $1,000 or higher  
            .55% 24 months $1,000 and higher  
            .65% 36 months $2,000 and higher  
            1.00% 60 months $5,000 and higher  

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
105 East Cherry Street
Vermillion, SD 57069
Phone: (605) 677-5214
Fax: (605) 677-5449