Rates

Share Savings Account

Fees may reduce earnings on the account. 

Dividend RateAnnual Percentage Yield
0.05%0.05%

IRAs

Balance AmountDividend RateAnnual Percentage Yield
$0 - $4,999.990.05%0.05%
$5,000 - $19,999.990.07%0.07%
$20,000 or more0.10%0.10%

FIMMA – First Insured Money Market Account

$1,000 minimum opening balance required.
Each withdrawal and deposit must be $250 or more. Limit 3 withdrawals per month.

Balance AmountDividend RateAnnual Percentage Yield
$999.99 and under0.25%0.25%
$1,000 and up0.50%0.50%

Share Certificates

Penalty for early withdrawal.

TermMinimum DepositDividend RateAnnual Percentage YieldEarly Withdrawal Penalty
6 months$5003.25%3.25%90 Days Dividends
12 months$5002.00%2.00%90 Days Dividends
18 months$1,0001.75%1.75%180 Days Dividends
24 months$5,0001.50%1.50%180 Days Dividends
36 months$5,0001.25%1.25%180 Days Dividends
48 months$5,0001.00%1.00%180 Days Dividends
60 months$5,0001.00%1.00%180 Days Dividends

Rates Effective March 1, 2025


Premier Money Market

$5,000 minimum opening balance required.
$1,000 minimum withdrawal with a limit of 3 withdrawals per month

Balance AmountDividend RateAnnual Percentage Yield
$4,999.99 and under0.50%0.50%
$5,000 - $9,999.990.75%0.75%
$10,000 - $24,999.991.00%1.00%
$25,000 - $49,999.991.25%1.25%
$50,000 - $99,999.991.75%1.75%
$100,000 and up2.00%2.00%

Rates effective March 1, 2025. Rates may change after the account is opened. Consult with a Service First Representative for details and qualification criteria.


Auto Loan Rates

 Credit Score
New Vehicles (2022 & Newer)750+749-680679-650649-600599 and below
84 months (2024 & Newer)5.89%6.39%7.59%11.74%15.99%
72 months5.69%6.19%7.39%11.39%15.49%
60 months5.38%5.75%7.03%10.99%14.99%
6-48 months5.29%5.51%6.83%10.24%13.74%
 Credit Score
Used Vehicles (2021 & Older)750+749-680679-650649-600599 and below
72 months (2020-2021 only)7.09%7.59%8.79%12.79%16.89%
60 months6.78%7.15%8.43%12.39%16.39%
6-48 months6.69%6.91%8.23%11.64%15.14%

Rates effective March 1, 2025 subject to change. Individual rate is determined by credit scores, subject to loan approval.

$10,000 loan at 7.09% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $171.

Consult with a Service First Loan Representative for details and qualification criteria. Payment calculation is only an estimate, please speak with a loan officer for exact figures.


Recreational Vehicles

Motorcycles, ATVs, Snowmobiles, Boats, and Personal Watercraft

 

Credit Score
New Recreational (2024 & Newer)750+749-680679-650649-600599 and Below
72 months6.49%6.99%8.19%12.19%16.29%
60 months6.18%6.55%7.83%11.79%15.79%
6-48 months6.09%6.31%7.63%11.04%14.54%
 Credit Score
Used Recreational (2023 & Older)750+749-680679-650649-600599 and Below
60 months7.58%7.95%9.23%13.19%17.19%
6-48 months7.49%7.71%9.03%12.44%15.94%

Rates effective March 1, 2025 subject to change. Individual rate is determined by credit scores, subject to loan approval.

$10,000 loan at 6.49% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $168.

Consult with a Service First Loan Representative for details and qualification criteria. Payment calculation is only an estimate, please speak with a loan officer for exact figures.


Motor Homes, Campers, Travel Trailers, and 5th Wheels

 Credit Score
New Motor Homes, Campers, Travel Trailers & 5th Wheels (2024 & Newer)750+749 - 680679 - 650649 - 600599 and Below
96 months7.84%8.34%9.54%13.99%18.00%
84 months7.64%8.14%9.34%13.49%17.74%
72 months7.44%7.94%9.14%13.14%17.24%
60 months7.13%7.50%8.78%12.74%16.74%
6-48 months7.04%7.26%8.58%11.99%15.49%
 Credit Score
Used Motor Homes, Campers, Travel Trailers & 5th Wheels (2023 & Older)750+749 - 680679 - 650649 - 600599 and Below
60 months7.63%8.00%9.28%13.24%17.24%
6-48 months7.54%7.76%9.08%12.49%15.99%

Rates effective March 1, 2025 subject to change. Individual rate is determined by credit scores, subject to loan approval.

$10,000 loan at 7.44% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $173.

Consult with a Service First Loan Representative for details and qualification criteria. Payment calculation is only an estimate, please speak with a loan officer for exact figures.


Signature Loan Rates

Signature Loans750+749-680679-650649-600599 and Below
48 months10.80%11.55%12.55%15.30%18.00%
36 months10.30%11.05%12.30%15.05%18.00%
24 months9.80%10.30%12.05%14.80%17.80%
6-12 months9.30%9.80%11.80%14.55%17.55%

Ex. $2,000 loan at 10.80% APR (annual percentage rate) for a 48 month term with 0% down, monthly payments are $52.00. Rates effective March 1, 2025, subject to change. Individual rate is determined by credit scores, subject to loan approval. Consult with a Service First Loan Representative for details and qualification criteria.


Home Equity Loan

Fixed*: 7.50% – 12.00% 

Rates effective March 1, 2025, subject to change.

*Rates stated as Annual Percentage Rate (APR). Rates may vary depending on credit history. The maximum APR is 18.00% or the maximum allowed by law, whichever is less. Property insurance is required. Some restrictions may apply. Rates are subject to change. Please call 605-336-1047 or 800-456-1703 for details.


Home Equity Line of Credit (HELOC)

Variable (HELOC)**: 8.00% – 12.50%          

Interest Only (HELOC)**: 9.00% – 10.50%

Rates effective March 1, 2025, subject to change.

**Rates stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Rates are variable and subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal and is subject to change on the first day of each month. The maximum APR is 18.00% or the maximum allowed by law whichever is less. Property insurance is required. Some restrictions apply. Fixed-rate, closed-end loans are available. Rates are subject to change. To open the account, fees to third parties generally total between $0-$600. Origination fee of 1% of the credit line or $200 whichever is greater applies.


Business Share Savings Account

Dividend RateAnnual Percentage Yield
0.00%0.00%

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