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Dakota Plains Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
Bonus Amount
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
dakotaplainsfcu.com
605-374-3380
519 Main Ave
Lemmon, SD 57638

Dakota Plains Federal Credit Union is headquartered in Lemmon and is the 13th largest credit union in the state of South Dakota. It is also the 2,057th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 19 employees and 4,753 members at 5 locations. Dakota Plains Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Dakota Plains Federal Credit Union is open to those who live, work, worship, or attend school in the South Dakota counties of Hughes, Buffalo, Hyde, Lyman, Stanley, or Sully; or the under-served areas of Butte, Corson, Dewey, Haakon, Harding, Jones, Meade, Perkins, or Ziebach Counties in South Dakota; or the under-served areas of Adams, Bowman, Grant, Hettinger or Sioux Counties in North Dakota.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Dakota Plains Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #11526
Year Chartered1957
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD2.23%
Return on Equity - YTD26.67%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$77.7MM$71.3MM
LoansQ1 2025vs Q1 2024$51.1MM$48.8MM
DepositsQ1 2025vs Q1 2024$69.2MM$64.2MM
Equity CapitalQ1 2025vs Q1 2024$6.5MM$5.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$350K$880K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$142K$443K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
APY APY = Annual Percentage Yield Rates as of 7/2/2025
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
Bonus Amount
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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Always verify rates and promotions with the bank or credit union. We are not Dakota Plains Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

Dakota Plains Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.02%*$0$2.5kPee Wee Penguin Account
OTHER TIERS: 0.05% → $2.5k+
1.02%*$0$2.5kTeen Saver Share
OTHER TIERS: 0.05% → $2.5k+
0.05%*$2.5k*-Regular Shares Account
OTHER TIERS: 0.02% → $101 - $2.5k

Dakota Plains Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$25k*-Money Market
OTHER TIERS: 0.50% → $1k - $5k | 0.55% → $5k - $25k

Dakota Plains Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$2.5k-Share Drafts Checking Account

Dakota Plains Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$250-6 Month Share Certificate
3.75%$250-3 Month Share Certificate
3.75%$250-1 Year Share Certificate
2.25%$100-2 Year Share Certificate
2.25%$100-3 Year Share Certificate
2.25%$100-4 Year Share Certificate
2.25%$100-5 Year Share Certificate

Dakota Plains Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$250-6 Month IRA Certificate
3.75%$250-3 Month IRA Certificate
3.75%$100-1 Year IRA Certificate
2.25%$100-2 Year IRA Certificate
2.25%$100-3 Year IRA Certificate
2.25%$100-4 Year IRA Certificate
2.25%$100-5 Year IRA Certificate
1.56%$0-IRA Shares Account
Locations


Dakota Plains Federal Credit Union Locations
Branch Office221 S Main StHettinger, ND 58639-7034
Branch Office120 W Main StBISON, SD 57620-0220
Branch Office107 Main StFaith, SD 57626-6012
Branch Office1525 N. Garfield Ave.Pierre, SD 57501
Branch Office519 Main AveLemmon, SD 57638-1421

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