Dakotaland Federal Credit Union

Overview / Commentary
1371 Dakota Avenue South
Huron, SD 57350

Dakotaland Federal Credit Union is headquartered in Huron and is the 2nd largest credit union in the state of South Dakota. It is also the 650th largest credit union in the nation. It was established in 1935 and as of September of 2023, it had grown to 171 employees and 38,049 members at 13 locations. Dakotaland Federal Credit Union's savings rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Dakotaland Federal Credit Union is open to those who live, work, worship or attend school in the South Dakota counties of Aurora, Beadle, Brookings, Brown, Brule, Buffalo, Clark, Codington, Davison, Day, Deuel, Faulk, Grant, Hamlin, Hand, Hanson, Hyde, Hughes, Jerauld, Kingsbury, Lake, McCook, Miner, Moody, Sanborn, Spink, or Sully.
See current membership details

Reviews (1)

Local Credit Union is Top of the Line!!

Dakotaland Federal Credit Union goes above and beyond any other financial institution that I have ever dealt with. Each and every time I call or stop in, I am greeted with a smile and a helpful hand. I use DLFC for all of my banking needs. Checking, savings, mortgage, auto loans, and personal loans. They always help with every step in anything I need to do. And are always available when I need them. My banker is always available and knows all of my accounts as if they were her own. The online banking system is very user friendly and easy to use. Transfering money between accounts and making loan payments is simple and painless. I've never had a bad experience ever!!!


Health Grade Components

NCUA #167
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.65%
Return on Equity - YTD7.05%
Annual Interest Income$16.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$612.7MM$587.6MM
LoansQ3 2023vs Q3 2022$417MM$359.7MM
DepositsQ3 2023vs Q3 2022$540.1MM$519.7MM
Equity CapitalQ3 2023vs Q3 2022$56.3MM$51.5MM
Loan Loss AllowanceQ3 2023vs Q3 2022$1.7MM$1.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.5MM$1.1MM
Real Estate OwnedQ3 2023vs Q3 2022$225K$46K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dakotaland Federal Credit Union Savings Account Rates

3.00%*$750k*-Investor's Choice Account
OTHER TIERS: 0.50% $500 - $10k | 0.60% $10k - $25k | 0.75% $25k - $50k | 1.00% $50k - $100k | 1.25% $100k - $250k | 2.50% $250k+
2.25%*$10k*-IRA Account
OTHER TIERS: 1.25% $50 - $2.5k | 1.75% $2.5k - $10k
0.10%$100-Regular Share Savings Account
0.10%$100-Christmas Club Account

Dakotaland Federal Credit Union Checking Account Rates

0.05%$2.5k-Checking Accounts

Dakotaland Federal Credit Union CD Rates

5.00%$500-5 Month Share Certificate Special
5.00%$100-5 Month Kids & Teens Share Certificate Special
4.75%$100-16 Month Kids & Teens Share Certificate Special
4.75%$500-16 Month Share Certificate Special
4.00%$500-24 Month Share Certificate
4.00%$100-24 Month Kids & Teens Share Certificate
3.75%$500-18 Month Share Certificate
3.75%$100-18 Month Kids & Teens Share Certificate
3.50%$500-12 Month Share Certificate
3.50%$500-36 Month Share Certificate
3.50%$100-12 Month Kids & Teens Share Certificate
3.50%$100-36 Month Kids & Teens Share Certificate
3.25%$500-48 Month Share Certificate
3.25%$500-60 Month Share Certificate
3.25%$100-48 Month Kids & Teens Share Certificate
3.25%$100-60 Month Kids & Teens Share Certificate
3.00%$500-6 Month Share Certificate
3.00%$100-6 Month Kids & Teens Share Certificate

Dakotaland Federal Credit Union IRA Rates

5.00%$500-5 Month IRA Certificate Special
4.75%$500-16 Month IRA Certificate Special
4.00%$500-24 Month IRA Certificate
3.75%$500-18 Month IRA Certificate
3.50%$500-12 Month IRA Certificate
3.50%$500-36 Month IRA Certificate
3.25%$500-48 Month IRA Certificate
3.25%$500-60 Month IRA Certificate
3.00%$500-6 Month IRA Certificate


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