Dakota Star Credit Union

3122 W St Louis St
Rapid City, SD 57702
1-800-418-0369
www.dakotastar.org

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Dakota Star Credit Union is headquartered in RAPID CITY and is the 24^th largest credit union in the state of South Dakota. It is also the 3,719^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 8 employees and 4,058 members. Dakota Star Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Dakota Star Credit Union Savings Account Rates

Apy	Min	Max	Product
1.41%	-	-	IRA Share
1.41%	-	-	Roth IRA Share
1.41%	-	-	CESA Share
0.10%	-	-	Youth Account
0.10%	-	-	Rads Account
0.05%	-	-	Membership Share
0.05%	-	-	Special Share

Dakota Star Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.32%	$90k	-	Money Market Account

Dakota Star Credit Union CD Rates

Apy	Min	Max	Product
1.81%	$500	-	60 Month Certificate
1.81%	$25k	-	60 Month Certificate - With Checking Account
1.56%	$500	-	48 Month Certificate
1.56%	$25k	-	48 Month Certificate - With Checking Account
1.21%	$500	-	36 Month Certificate
1.21%	$25k	-	36 Month Certificate - With Checking Account
0.80%	$500	-	24 Month Certificate
0.80%	$25k	-	24 Month Certificate - With Checking Account
0.60%	$500	-	18 Month Certificate
0.60%	$25k	-	18 Month Certificate - With Checking Account
0.55%	$500	-	12 Month Bumper Rate Certificate
0.55%	$25k	-	12 Month Bumper Rate Certificate - With Checking Account
0.35%	$500	-	6 Month Certificate

Dakota Star Credit Union IRA Rates

Apy	Min	Max	Product
1.81%	$500	-	60 Month IRA Certificate
1.81%	$500	-	60 Month CESA Certificate
1.81%	$500	-	60 Month Roth IRA Certificate
1.81%	$25k	-	60 Month CESA Certificate - With Checking Account
1.81%	$25k	-	60 Month IRA Certificate - With Checking Account
1.81%	$25k	-	60 Month Roth IRA Certificate - With Checking Account
1.56%	$500	-	48 Month IRA Certificate
1.56%	$500	-	48 Month CESA Certificate
1.56%	$500	-	48 Month Roth IRA Certificate
1.56%	$25k	-	48 Month CESA Certificate - With Checking Account
1.56%	$25k	-	48 Month IRA Certificate - With Checking Account
1.56%	$25k	-	48 Month Roth IRA Certificate - With Checking Account
1.21%	$500	-	36 Month IRA Certificate
1.21%	$500	-	36 Month CESA Certificate
1.21%	$500	-	36 Month Roth IRA Certificate
1.21%	$25k	-	36 Month CESA Certificate - With Checking Account
1.21%	$25k	-	36 Month IRA Certificate - With Checking Account
1.21%	$25k	-	36 Month Roth IRA Certificate - With Checking Account
0.80%	$500	-	24 Month IRA Certificate
0.80%	$500	-	24 Month CESA Certificate
0.80%	$500	-	24 Month Roth IRA Certificate
0.80%	$25k	-	24 Month CESA Certificate - With Checking Account
0.80%	$25k	-	24 Month IRA Certificate - With Checking Account
0.80%	$25k	-	24 Month Roth IRA Certificate - With Checking Account
0.55%	$500	-	12 Month Bumper Rate IRA Certificate
0.55%	$500	-	12 Month Bumper Rate CESA Certificate
0.55%	$500	-	12 Month Bumper Rate Roth IRA Certificate
0.55%	$25k	-	12 Month Bumper Rate CESA Certificate - With Checking Account
0.55%	$25k	-	12 Month Bumper Rate IRA Certificate - With Checking Account
0.55%	$25k	-	12 Month Bumper Rate Roth IRA Certificate - With Checking Account

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

DAKOTA STAR
NCUA #	8039
BankRate Report	View
Year Chartered	1952
Employees	8
Primary Regulator
Assets and Liabilities
Assets	$18.02 million
Loans	$14.11 million
Deposits	$16.73 million
Equity Capital	$1.25 million
Loan Loss Allowance	$104,000
Unbacked Noncurrent Loans	$46,000
Historic Data - December 2010
Assets	$17.19 million
Equity Capital	$1.13 million
Loan Loss Allowance	$93,000
Unbacked Noncurrent Loans	$105,000
Profit Margin - Quarterly
Net Interest Margin	4.77%
Return on Assets	0.63%
Return on Equity	9.05%
Interest Income	$835,000
Non-Interest Income	$300,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Dakota Star Credit Union had $46,000 in non-current loans and owned real-estate with $1.35 million in equity and loan loss allowances on hand to cover it. This gives Dakota Star Credit Union a Texas Ratio of 3.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Dakota Star Credit Union decreased significantly from 8.56% as of December 31, 2010 to 3.40% as of December 31, 2011, resulting in a positive change of 60.24%.This indicates that the balance sheet and financial strength for Dakota Star Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Dakota Star Credit Union has increased its total deposits by $713,000, resulting in 4.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dakota Star Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dakota Star Credit Union has $18.02 million in assets with $1.35 million in equity, resulting in a capitalization level of 7.50%, which is below average.

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