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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
DAKOTA PLAINS Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
DAKOTA PLAINS's top rates as of October 10, 2026 are 1.46% APY on its CDs - 5 Year CD, personal loans from 12.99% APR, and credit cards from 12.99% APR, according to rates verified by MonitorBankRates. Other DAKOTA PLAINS CD rates include CDs - 5 Year at 1.45%, CDs - 5 Year at 1.40%, and CDs - 4 Year at 1.21%. MonitorBankRates evaluates the financial stability of DAKOTA PLAINS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.81%. Rates last updated and verified on 10/10/2026. DAKOTA PLAINS 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 DAKOTA PLAINS? Share your experience about DAKOTA PLAINS by leaving a review below, or read customer reviews before you decide to use DAKOTA PLAINS. DAKOTA PLAINS
Dakota Plains Federal Credit Union 519 Main Ave
https://dakotaplainsfcu.com Lemmon, SD 57638-1421  Customer Reviews
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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. DAKOTA PLAINS CD Rates
DAKOTA PLAINS Home Equity & HELOC
DAKOTA PLAINS Auto Loan Rates
DAKOTA PLAINS Credit Card Rates
DAKOTA PLAINS Personal Loan Rates
DAKOTA PLAINS Other Rates
Financial Health HistoryDAKOTA PLAINS’s Texas Ratio fell from 10.93% in Q3 2023 to 3.81% in Q2 2026, so its financial health has improved and is now very strong 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for DAKOTA PLAINS 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 DAKOTA PLAINS 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 DAKOTA PLAINS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
DAKOTA PLAINS
Website
https://dakotaplainsfcu.com
Address
519 Main Ave,
Lemmon, SD 57638-1421
Phone
605-374-3880
Fax
888-886-7741
President
Walter Dauwen
CEO
Brent Dirk
Full-Time Employees
20
Part-Time Employees
4
Branch Locations
5
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.81%
Return on Assets (ROA)
0.5672%
Return on Equity (ROE)
6.2144%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
84,407,510
Total Amount of Shares and Deposits
75,771,503
Total Shares and Deposits < 1 Year
74,454,085
Total Shares and Deposits 1 3 Years
1,243,533
Total Shares and Deposits > 3 Years
73,883
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,087,239
Total Uninsured Shares and Deposits > $250K (F+J)
8,087,239
Total Insured Shares and Deposits > $250K (item 17 less item K)
67,684,264
Total Interest Expense (Sum of items 6 8)
408,134
Share Certificates
704
Number of Accounts for Share Drafts
2,697
IRA KEOGH Accounts
112
Number of Accounts for Regular Shares
5,678
Money Market Shares
38
Net Income (unless the amount is already included in Undivided Earnings)
307,144
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)
6,064,785
Total Liabilities
76,703,862
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About DAKOTA PLAINSHow many branches does DAKOTA PLAINS operate?DAKOTA PLAINS 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 DAKOTA PLAINS?Yes, to access services at DAKOTA PLAINS, 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, DAKOTA PLAINS 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, DAKOTA PLAINS provides members with tools to manage their accounts and build a solid financial history. Does DAKOTA PLAINS offer online and mobile banking?Most modern institutions like DAKOTA PLAINS 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://dakotaplainsfcu.com. Current DAKOTA PLAINS Rates
Retrieved from our database of financial products. Rates subject to change.
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