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Lakota Federal Credit Union

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Lakota Federal Credit Union Rates & Review April 2026

Q: Is a member application needed to join Lakota Federal Credit Union?

Yes, to access services at Lakota 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lakota 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: April 23, 2026

You can compare Lakota Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.22%, 6-month share certificate rates at 1.50% and 3-month share certificate rates at 2.00%. Savings rates are at 0.50% and money market rates are at 1.41%. Mortgage rates on 30-year fixed loans are around 6.56%. All these rates can be compared to Lakota Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Lakota Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates were last updated on 04/23/2026.

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

1.05%

Excellent Lower than avg

Lakota Federal Credit Union
Lakota Federal Credit Union

507 Main Street
Kyle, SD 57752

https://www.lakotafcu.org

Current Rate Availability

We do not have Lakota Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lakota 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 Lakota 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 Lakota Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lakota Federal Credit Union

Website https://www.lakotafcu.org

Address 507 Main Street, Kyle, SD 57752

Phone 605-455-1515

Fax 605-455-1514

President Tawney Brunsch

CEO Shayna Ferguson

Full-Time Employees 10

Part-Time Employees 0

Branch Locations 1

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

1.05%

Return on Assets (ROA)

3.2247%

Return on Equity (ROE)

13.3113%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

18,962,630

Total Amount of Shares and Deposits

10,657,375

Total Shares and Deposits < 1 Year

2,389,238

Total Shares and Deposits 1 3 Years

6,491,094

Total Shares and Deposits > 3 Years

1,777,043

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

793,277

Total Uninsured Shares and Deposits > $250K (F+J)

1,076,568

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

9,580,807

Total Interest Expense (Sum of items 6 8)

169,973

Share Certificates

Number of Accounts for Share Drafts

3,215

Number of Accounts for Regular Shares

4,152

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

758,846

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,562,931

Total Liabilities

14,417,551

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Lakota Federal Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Lakota Federal Credit Union

Is Lakota Federal Credit Union a safe place to deposit money?

Yes, Lakota Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0459329281115%, 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 Lakota Federal Credit Union operate?

Lakota 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 Lakota Federal Credit Union?

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

Does Lakota Federal Credit Union offer online and mobile banking?

Most modern institutions like Lakota 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.lakotafcu.org.