Area Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.aberdeenfcu.org

605-225-2488

2324 8TH AVE NE
Aberdeen, SD 57402-1495

Area Federal Credit Union is headquartered in ABERDEEN and is the 9^th largest credit union in the state of South Dakota. It is also the 1,306^th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 28 employees and 11,623 members at 1 location. Area Federal Credit Union's CD rates are 4X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Area Federal Credit Union is open to those who live, work, worship, or attend school in the South Dakota counties or Brown, Codington, Day, Edmunds, Spink, or Walworth . Immediate family members of those eligible to join also qualify for membership.
See current membership details

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	274
Year Chartered	1935
Employees	28
Primary Regulator

Profit Margin
Return on Assets - YTD	1.07%
Return on Equity - YTD	6.83%
Annual Interest Income	$2.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$192.4MM$180.2MM
Loans	Q1 2025vs Q1 2024	$123.8MM$115.6MM
Deposits	Q1 2025vs Q1 2024	$161.3MM$150.7MM
Equity Capital	Q1 2025vs Q1 2024	$29.5MM$27.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$422K$263K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$392K$787K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Area Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$0	-	Educational IRA Share
1.01%^*	$1k^*	-	Super Savings
OTHER TIERS: 0.75% → $0 - $1k
0.75%	$0	-	Regular Savings
0.75%	$0	-	Secondary Shares Account
0.40%	$0	-	Christmas Club

Area Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$5k^*	-	Share Draft Account
OTHER TIERS: 0.13% → $0 - $2.5k \| 0.15% → $2.5k - $5k

Area Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.04%	$500	-	6 Month CD
4.04%	$200	-	6 Month Gen Y CD
3.80%	$500	-	3 Month CD
3.80%	$500	-	12 Month CD
3.80%	$500	-	18 Month CD
3.80%	$200	-	3 Month Gen Y CD
3.80%	$200	-	12 Month Gen Y CD
3.80%	$200	-	18 Month Gen Y CD
3.55%	$500	-	24 Month CD
3.55%	$200	-	24 Month Gen Y CD

Area Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.53%	$0	-	IRA Share
2.53%	$0	-	Roth IRA Share Account

Locations

Area Federal Credit Union Locations
Branch Office	2324 8TH AVE NE	ABERDEEN, SD 57401

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