Explorers 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

explorerscu.com

605-665-4309

609 W 21st St
Yankton, SD 57078

Explorers Credit Union is headquartered in Yankton and is the 12^th largest credit union in the state of South Dakota. It is also the 1,767^th 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+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	14874
Year Chartered	1962
Employees	29
Primary Regulator

Profit Margin
Return on Assets - YTD	0.6%
Return on Equity - YTD	6.46%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$108.5MM$106MM
Loans	Q1 2025vs Q1 2024	$63.7MM$65.7MM
Deposits	Q1 2025vs Q1 2024	$97.9MM$95.4MM
Equity Capital	Q1 2025vs Q1 2024	$9.9MM$8.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$339K$282K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$388K$227K
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
CD
IRA

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Explorers Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Share Savings Account
0.10%	$100	-	Sub-Share Savings Account

Explorers Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.10%	$100	$500	36 Month Youth Share Certificate
3.03%	$500	$250k	12 Month Share Certificate
3.03%	$500	$250k	18 Month Share Certificate
3.03%	$500	$250k	24 Month Share Certificate
3.03%	$500	$250k	36 Month Share Certificate
3.03%	$500	$250k	48 Month Share Certificate
3.03%	$500	$250k	60 Month Share Certificate
3.02%	$500	$250k	182 Day Share Certificate

Explorers Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.03%	$500	$250k	12 Month IRA
3.03%	$500	$250k	18 Month IRA
3.03%	$500	$250k	24 Month IRA
3.03%	$500	$250k	36 Month IRA
3.03%	$500	$250k	48 Month IRA
3.03%	$500	$250k	60 Month IRA
3.02%	$500	$250k	182 Day IRA

Locations

Explorers Credit Union Locations
Branch Office	302 S SD Highway 37	Parkston, SD 57366
Branch Office	1501 Walnut ST	Springfield, SD 57062
Branch Office	609 W 21st St	Yankton, SD 57078
Branch Office	730 E 1st St	Tea, SD 57064

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