What are the current interest rates at Coteau Valley Federal Credit Union?

Current rates for Coteau Valley Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 2.35%, 24-Month CD: 2.30%

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Coteau Valley Federal Credit Union

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Coteau Valley Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coteau Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Coteau Valley Federal Credit Union's top rates as of October 12, 2026 are 3.90% APY on its 12 Month CDs CD, and personal loans from 20.00% APR, according to rates verified by MonitorBankRates. Other Coteau Valley Federal Credit Union CD rates include 6 Month CDs at 3.75%, 36 Month CDs at 3.00%, and 36 Month CDs at 2.95%. MonitorBankRates evaluates the financial stability of Coteau Valley Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.04%. Rates last updated and verified on 10/12/2026.

Coteau Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coteau Valley Federal Credit Union? Share your experience about Coteau Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Coteau Valley Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.04%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Coteau Valley Federal Credit Union
Coteau Valley Federal Credit Union

212 W Hickory St
Sisseton, SD 57262-1826

https://coteauvalleyfcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Coteau Valley Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificates	3.90%	3.90%	12 MONTH
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 2.90% → 3.90% ▲ 1.00 pts · high 3.90% / low 2.90% Oct 12, 20263.90%▲ from 3.10% Oct 4, 20263.10%▲ from 2.90% Sep 20, 20262.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
12 Month Share Certificates	3.90%	3.90%	12 MONTH
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 2.95% → 3.90% ▲ 0.95 pts · high 3.90% / low 2.95% Oct 12, 20263.90%▲ from 3.15% Oct 4, 20263.15%▲ from 2.95% Sep 20, 20262.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
12 Month Share Certificates	3.90%	3.90%	12 MONTH
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00% Oct 12, 20263.90%▲ from 3.20% Oct 4, 20263.20%▲ from 3.00% Sep 20, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
6 Month Share Certificates	3.75%	3.75%	6 MONTH
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40% Oct 12, 20263.75%▲ from 3.60% Oct 4, 20263.60%▲ from 3.40% Sep 20, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
6 Month Share Certificates	3.75%	3.75%	6 MONTH
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 12, 20263.75%▲ from 3.70% Oct 4, 20263.70%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Share Certificates	3.00%	3.00%	36 MONTH
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80% Oct 4, 20263.00%▲ from 2.80% Sep 20, 20262.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Share Certificates	2.95%	2.95%	36 MONTH
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.75% → 2.95% ▲ 0.20 pts · high 2.95% / low 2.75% Oct 4, 20262.95%▲ from 2.75% Sep 20, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
36 Month Share Certificates	2.90%	2.90%	36 MONTH
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.70% → 2.90% ▲ 0.20 pts · high 2.90% / low 2.70% Oct 4, 20262.90%▲ from 2.70% Sep 20, 20262.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Share Certificates	2.60%	2.60%	18 MONTH
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.40% → 2.60% ▲ 0.20 pts · high 2.60% / low 2.40% Oct 4, 20262.60%▲ from 2.40% Sep 20, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Share Certificates	2.45%	2.45%	18 MONTH
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.25% → 2.45% ▲ 0.20 pts · high 2.45% / low 2.25% Oct 4, 20262.45%▲ from 2.25% Sep 20, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Share Certificates	2.40%	2.40%	24 MONTH
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.20% → 2.40% ▲ 0.20 pts · high 2.40% / low 2.20% Oct 4, 20262.40%▲ from 2.20% Sep 20, 20262.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
18 Month Share Certificates	2.35%	2.35%	18 MONTH
Min Balance $50,000 Details Balance: $50,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.15% → 2.35% ▲ 0.20 pts · high 2.35% / low 2.15% Oct 4, 20262.35%▲ from 2.15% Sep 20, 20262.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Share Certificates	2.35%	2.35%	24 MONTH
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.15% → 2.35% ▲ 0.20 pts · high 2.35% / low 2.15% Oct 4, 20262.35%▲ from 2.15% Sep 20, 20262.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
24 Month Share Certificates	2.30%	2.30%	24 MONTH
Min Balance $500 Details Balance: $500 Last Updated 10/12/2026 Rate History 1 change since Sep 20, 2026 · 2.10% → 2.30% ▲ 0.20 pts · high 2.30% / low 2.10% Oct 4, 20262.30%▲ from 2.10% Sep 20, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Coteau Valley Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Real Estate Home Equity 0-60	8.00%	-	8.00%
Details Credit Score: 725 - UP Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 0-60	9.00%	-	9.00%
Details Credit Score: 675-724 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 61-120	9.00%	-	9.00%
Details Credit Score: 725 - UP Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 0-60	10.85%	-	10.85%
Details Credit Score: 650-674 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 10.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 61-120	11.25%	-	11.25%
Details Credit Score: 675-724 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 11.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 0-60	12.00%	-	12.00%
Details Credit Score: 600 - DOWN Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 61-120	12.20%	-	12.20%
Details Credit Score: 650-674 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.20% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Real Estate Home Equity 61-120	13.00%	-	13.00%
Details Credit Score: 600 - DOWN Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Coteau Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
Used Vehicles	7.75%	-	7.75%
Details Credit Score: 726 - UP Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Vehicles	8.75%	-	8.75%
Details Credit Score: 705 - 725 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Vehicles	12.00%	-	12.00%
Details Credit Score: 670 - 704 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Vehicles	15.00%	-	15.00%
Details Credit Score: 635 - 669 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 15.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Vehicles	17.00%	-	17.00%
Details Credit Score: 610 - 634 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 17.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Used Vehicles	18.00%	-	18.00%
Details Credit Score: 609 - DOWN Last Updated 10/12/2026 Rate History 2 changes since Sep 12, 2026 · 18.00% → 18.00% ▼ 0.00 pts · high 18.00% / low 17.00% Oct 8, 202618.00%▲ from 17.00% Oct 4, 202617.00%▼ from 18.00% Sep 12, 202618.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Coteau Valley Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Vehicles & Recreational Vehicles	4.85%	4.85%
Details Model Year: 2026 & 2025; Must have at least a 705 credit score (A+ & A grade); Effective Date: October 12, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.85% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Vehicles & Recreational Vehicles	5.60%	5.60%
Details Model Year: 2024 & 2023; Must have at least a 705 credit score (A+ & A grade); Effective Date: October 12, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
New Vehicles & Recreational Vehicles	6.35%	6.35%
Details Model Year: 2022 & 2021; Must have at least a 705 credit score (A+ & A grade); Effective Date: October 12, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Recreational Vehicles	8.50%	8.50%
Details Credit Score: 726 - UP Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Recreational Vehicles	9.50%	9.50%
Details Credit Score: 705 - 725 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Recreational Vehicles	12.50%	12.50%
Details Credit Score: 670 - 704 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Recreational Vehicles	16.00%	16.00%
Details Credit Score: 635 - 669 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 16.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%
Recreational Vehicles	18.00%	18.00%
Details Credit Score: 610 - DOWN Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Coteau Valley Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loans	20.00%
Details Loan amount: $250 - $5,000 Last Updated 10/12/2026 Rate History No change since Sep 12, 2026 · 20.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.04%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Coteau Valley Federal Credit Union’s Texas Ratio rose from 4.22% in Q3 2023 to 10.04% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$19M	10.04%	5.0	A
March 31, 2026	$19M	2.34%	5.0	A+
December 31, 2025	$18M	2.18%	5.0	A+
September 30, 2025	$18M	3.30%	5.0	A+
June 30, 2025	$18M	1.37%	5.0	A+
March 31, 2025	$18M	4.47%	5.0	A+
December 31, 2024	$18M	8.07%	5.0	A
September 30, 2024	$16M	5.33%	5.0	A+
June 30, 2024	$17M	4.86%	5.0	A+
March 31, 2024	$17M	4.72%	5.0	A+
December 31, 2023	$17M	2.87%	5.0	A+
September 30, 2023	$17M	4.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Coteau Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Coteau Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Coteau Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Coteau Valley Federal Credit Union

Website https://coteauvalleyfcu.com

Address 212 W Hickory St, Sisseton, SD 57262-1826

Phone 605-698-7481

Fax 605-742-0792

President Amber Kemnitz

CEO Katie Bredvik

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.04%

Return on Assets (ROA)

0.3343%

Return on Equity (ROE)

3.3481%

Non-Performing Loans Ratio (NPL)

1.98%

Total Assets

18,828,630

Total Amount of Shares and Deposits

17,355,492

Total Shares and Deposits < 1 Year

17,355,492

Total Insured Shares and Deposits > $250K (item 17 less item K)

17,355,492

Total Interest Expense (Sum of items 6 8)

201,725

Share Certificates

263

Number of Accounts for Share Drafts

1,022

Number of Accounts for Regular Shares

2,229

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,552,527

Total Liabilities

16,948,457

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Coteau Valley Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Coteau Valley Federal Credit Union

How many branches does Coteau Valley Federal Credit Union operate?

Coteau Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Coteau Valley Federal Credit Union?

Yes, to access services at Coteau Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Coteau Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coteau Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Coteau Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Coteau Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://coteauvalleyfcu.com.