Explorers Credit Union


Overview / Commentary
605-665-4309
609 W 21st St
Yankton, SD 57078

Explorers Credit Union is headquartered in Yankton and is the 12th largest credit union in the state of South Dakota. It is also the 1,767th largest credit union in the nation. It was established in 1962 and as of March of 2025, it had grown to 29 employees and 8,956 members at 4 locations. Explorers Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership to Explorers Credit Union is open to those who live, work, worship, or attend school in the South Dakota counties of Aurora, Bon Homme, Charles Mix, Clay, Davison, Douglas, Hanson, Hutchinson, Lincoln, McCook, Minnehaha, Turner, Union and Yankton, or the Nebraska counties of Antelope, Boone, Boyd, Cedar, Cuming, Dakota, Dixon, Holt, Knox, Madison, Pierce, Platte, Stanton, Thurston, Wayne and Wheeler. Immediate family members of Explorers CU members are also eligible for membership 6 SD 5 NE
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #14874
Year Chartered1962
Employees29
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.46%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$108.5MM$106MM
LoansQ1 2025vs Q1 2024$63.7MM$65.7MM
DepositsQ1 2025vs Q1 2024$97.9MM$95.4MM
Equity CapitalQ1 2025vs Q1 2024$9.9MM$8.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$339K$282K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$388K$227K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Explorers Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Share Savings Account
0.10%$100-Sub-Share Savings Account

Explorers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$100$50036 Month Youth Share Certificate
3.03%$500$250k12 Month Share Certificate
3.03%$500$250k18 Month Share Certificate
3.03%$500$250k24 Month Share Certificate
3.03%$500$250k36 Month Share Certificate
3.03%$500$250k48 Month Share Certificate
3.03%$500$250k60 Month Share Certificate
3.02%$500$250k182 Day Share Certificate

Explorers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.03%$500$250k12 Month IRA
3.03%$500$250k18 Month IRA
3.03%$500$250k24 Month IRA
3.03%$500$250k36 Month IRA
3.03%$500$250k48 Month IRA
3.03%$500$250k60 Month IRA
3.02%$500$250k182 Day IRA
Locations


Explorers Credit Union Locations
Branch Office302 S SD Highway 37Parkston, SD 57366
Branch Office1501 Walnut STSpringfield, SD 57062
Branch Office609 W 21st StYankton, SD 57078
Branch Office730 E 1st StTea, SD 57064

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