Rates

person holding money

Share Savings Account

Fees may reduce earnings on the account. Limit of 6 pre-authorized withdrawals per month (by telephone order or instruction, or by check, draft, debit card or similar order to a third party).

Dividend Rate Annual Percentage Yield
0.15% 0.15%

IRAs

Balance Amount Dividend Rate Annual Percentage Yield
$0 - $4999.99 0.05% 0.05%
$5,000 - $19,999.99 0.15% 0.15%
$20,000 or more 0.25% 0.25%

FIMMA – First Insured Money Market Account

Balance Amount Dividend Rate Annual Percentage Yield
$1,000 minimum opening balance required. Limit 3 withdrawals per month. Each withdrawal and deposit must be $250 or more. 0.15% 0.15%
If balance falls below $1,000 0.20% 0.20%

Share Certificates

Penalty for early withdrawal.

Term Minimum Deposit Dividend Rate Annual Percentage Yield Early Withdrawal Penalty
6 months $500 0.15% 0.15% 90 Days Dividends
12 months $500 0.20% 0.20% 90 Days Dividends
18 months $1,000 0.30% 0.30% 180 Days Dividends
24 months $5,000 0.40% 0.40% 180 Days Dividends
36 months $5,000 0.50% 0.50% 180 Days Dividends
48 months $5,000 0.60% 0.60% 180 Days Dividends
60 months $5,000 1.00% 1.00% 180 Days Dividends

Premier Money Market

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

Balance Amount Dividend Rate Annual Percentage Yield
$4,999.99 and under 0.07% 0.07%
$5,000 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.15% 0.15%
$50,000 - $99,999.99 0.15% 0.15%
$100,000 and up 0.20% 0.20%

Rates effective September 1, 2019.  Rates may change after the account is opened.  Consult with a Service First Representative for details and qualification criteria.

 

 

Auto Loan Rates

New Vehicles (2014 & Newer) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and below
84 months (2017 & Newer) 4.75% 5.25% 6.55% 10.70% 14.95%
78 months (2017 & Newer) 4.65% 5.15% 6.45% 10.45% 14.70%
72 months 4.55% 5.05% 6.35% 10.35% 14.45%
66 months 4.45% 4.85% 6.19% 10.20% 14.20%
60 months 4.24% 4.61% 5.99% 9.95% 13.95%
48 months 4.15% 4.37% 5.79% 9.20% 12.70%
6 - 36 months 3.90% 4.13% 5.59% 8.95% 12.45%
Used Vehicles (2013 & Older Credit Score >>>> 750+ 749-680 679-650 649-600 599 and below
72 months (2011-2013 only) 6.69% 7.19% 8.69% 12.69% 16.79%
66 months (2011-2013 only) 6.59% 6.99% 8.53% 12.54% 16.54%
60 months (2011-2013 only) 6.38% 6.75% 8.33% 12.29% 16.29%
48 months 6.29% 6.51% 8.13% 11.54% 15.04%
6-36 months 6.04% 6.27% 7.93% 11.29% 14.79%

Rates effective January 1, 2019 subject to change. Individual rate is determined by credit scores, subject to loan approval.

$10,000 loan at 4.55% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $159.

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

New Recreational (2014 & Newer) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
72 months (2017 & newer) 4.95% 5.45% 6.75% 10.75% 14.85%
66 months (2017 & newer) 4.85% 5.25% 6.59% 10.60% 14.60%
60 months 4.64% 5.01% 6.39% 10.35% 14.35%
48 months 4.55% 4.77% 6.19% 9.60% 13.10%
6-36 months 4.30% 4.53% 5.99% 9.35% 12.85%
Used Recreational (2013 & Older) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
60 months (2011-2013 only) 7.88% 8.25% 9.83% 13.79% 17.79%
48 months 7.79% 8.01% 9.63% 13.04% 16.54%
6-36 months 7.54% 7.77% 9.43% 12.79% 16.29%

Rates effective January 1, 2019 subject to change. Individual rate is determined by credit scores, subject to loan approval.

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

New Motor Homes, Campers, Travel Trailers & 5th Wheels (2017 & Newer) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
96 months 7.30% 7.80% 9.30% 13.75% 18.00%
90 months 7.20% 7.70% 9.20% 13.50% 17.75%
84 months 7.10% 7.60% 9.10% 13.25% 17.50%
78 months 7.00% 7.50% 9.00% 13.00% 17.25%
72 months 6.90% 7.40% 8.90% 12.90% 17.00%
66 months 6.80% 7.20% 8.74% 12.75% 16.75%
60 months 6.59% 6.96% 8.54% 12.50% 16.50%
48 months 6.50% 6.72% 8.34% 11.75% 15.25%
6-36 months 6.00% 6.24% 7.94% 11.25% 14.75%
Used Motor Homes, Campers, Travel Trailers & 5th Wheels (2016 & Older) Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
60 months 7.09% 7.46% 9.04% 13.00% 17.00%
48 months 7.00% 7.22% 8.84% 12.25% 15.75%
6-36 months 6.75% 6.98% 8.64% 12.00% 15.50%

Rates effective January 1, 2019 subject to change. Individual rate is determined by credit scores, subject to loan approval.

Signature Loan Rates

Signature Loans Credit Score >>>> 750+ 749-680 679-650 649-600 599 and Below
48 months 10.80% 11.55% 12.55% 15.30% 18.00%
36 months 10.30% 11.05% 12.30% 15.05% 18.00%
24 months 9.80% 10.30% 12.05% 14.80% 17.80%
6-12 months 9.30% 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 January 1, 2019, 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*: 6.00% – 11.50% 

Rates effective September 1, 2019, 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)**: 5.75% – 10.25%          

Interest Only (HELOC)**: 6.75% – 8.25%

Rates effective September 1, 2019, 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