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Daniels-Sheridan Federal Credit Union Rates & Review April 2026

Daniels-Sheridan Federal Credit Union's savings rates are at 1.50%. Daniels-Sheridan Federal Credit Union's money market rates are at 1.60%. Daniels-Sheridan Federal Credit Union's Personal Loan Rates are at 11.00%. MonitorBankRates evaluates the financial stability of Daniels-Sheridan Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.56%. Rates were last updated on 04/11/2026.

Daniels-Sheridan 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 Daniels-Sheridan Federal Credit Union? Share your experience about Daniels-Sheridan Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Daniels-Sheridan Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.56%
Excellent Lower than avg
Daniels-Sheridan Federal Credit Union
Daniels Sheridan FCU
404 Main Street
Scobey, MT 59263 1160
https://www.dsfcu.net
Member NCUA

Daniels-Sheridan Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings Account - 2.53%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Primary Savings - 1.60%
Min Balance $10,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Youth Savings - 1.60%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Primary Savings - 1.55%
Min Balance $3,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Primary Savings - 1.50%
Min Balance $25
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Money Market Rates

Product Rate APY View More
Jumbo Money Market - 1.80%
Min Balance $15,000
Details (minimum $15,000)
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Money Market - 1.80%
Min Balance $15,000
Details If balance is $15,000.01 and up
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Money Market - 1.70%
Min Balance $10,000
Details If balance is $10,000.01 - $15,000.00
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Money Market - 1.60%
Min Balance $500
Details If balance is $500.00 - $10,000.00
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Checking Rates

Product Rate APY View More
Money Max Checking - 0.00%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Regular Checking - 0.00%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Christmas Loan (only available at certain times) - - 4.25% 10 months
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
1st Mortgage Home/Land - - 7.00% 7
Details Balloon
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
1st Mortgage Home/Land - - 7.50% 10
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Chattel Variable-Rate Loan - - 7.75% 60 months
Details Variable
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
1st Mortgage Home/Land - - 8.50% 15
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.99% 5
Details Variable
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 9.99%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Daniels-Sheridan Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Line of Credit - 11.00%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%
Personal Loan - 11.00%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.56%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Daniels-Sheridan 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 Daniels-Sheridan 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 Daniels-Sheridan Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Daniels-Sheridan Federal Credit Union
Address 404 Main Street, Scobey, MT 59263 1160
Phone 406-487-5391
Fax 406-487-5400
President MICHAEL THIEVIN
CEO Timothy Rask
Full-Time Employees 14
Part-Time Employees 3
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.56%
Return on Assets (ROA)
0.4466%
Return on Equity (ROE)
3.4432%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
83,888,357
Total Amount of Shares and Deposits
71,557,626
Total Shares and Deposits < 1 Year
71,105,245
Total Shares and Deposits 1 3 Years
452,381
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,926,583
Total Uninsured Shares and Deposits > $250K (F+J)
10,926,583
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,631,043
Total Interest Expense (Sum of items 6 8)
967,580
Share Certificates
531
Number of Accounts for Share Drafts
1,579
IRA KEOGH Accounts
71
Number of Accounts for Regular Shares
3,707
All other shares
45
Money Market Shares
22
Net Income (unless the amount is already included in Undivided Earnings)
374,626
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,397,781
Total Liabilities
72,995,549
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Daniels-Sheridan Federal Credit Union

Is Daniels-Sheridan Federal Credit Union a safe place to deposit money?

Yes, Daniels-Sheridan Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.5619403563282%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Daniels-Sheridan Federal Credit Union operate?

Daniels-Sheridan 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 Daniels-Sheridan Federal Credit Union?

Yes, to access services at Daniels-Sheridan 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, Daniels-Sheridan 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, Daniels-Sheridan Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Daniels-Sheridan Federal Credit Union offer online and mobile banking?

Most modern institutions like Daniels-Sheridan 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://www.dsfcu.net.

Current Daniels-Sheridan Federal Credit Union Rates

  • Savings1.50%
  • MMA1.60%
Retrieved from our database of financial products. Rates subject to change.