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SIOUX VALLEY COOP Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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| iEditorial Disclosure
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: April 15, 2026

You can compare SIOUX VALLEY COOP rates to other rates in our database, including 12-month share certificate rates currently at 3.05%, 6-month share certificate rates at 0.05% and 3-month share certificate rates at 2.48%. Savings rates are at 0.20% and money market rates are at 0.40%. Mortgage rates on 30-year fixed loans are around 6.06%. All these rates can be compared to SIOUX VALLEY COOP rates. MonitorBankRates evaluates the financial stability of SIOUX VALLEY COOP with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.44%. Rates were last updated on 04/15/2026.

SIOUX VALLEY COOP 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 SIOUX VALLEY COOP? Share your experience about SIOUX VALLEY COOP by leaving a review below, or read customer reviews before you decide to use SIOUX VALLEY COOP.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.44%
Excellent Higher than avg
First Trust and SB Wheatland, IA
Sioux Valley Co op FCU
712 9th Ave SE
Watertown, SD 57201 5222
http://.http://./opfcucom
Member NCUA

Current Rate Availability

We do not have SIOUX VALLEY COOP 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 SIOUX VALLEY COOP 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 SIOUX VALLEY COOP 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 SIOUX VALLEY COOP's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SIOUX VALLEY COOP
Website http://.http://./opfcucom
Address 712 9th Ave SE, Watertown, SD 57201 5222
Phone 605-882-2706
Fax 605-882-6024
President Todd Good
CEO Tyler Gross
Full-Time Employees 6
Part-Time Employees 1
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 (95/100)
Texas Ratio
10.44%
Return on Assets (ROA)
1.0117%
Return on Equity (ROE)
5.4587%
Non-Performing Loans Ratio (NPL)
3.21%
Total Assets
42,408,825
Total Amount of Shares and Deposits
33,711,798
Total Shares and Deposits < 1 Year
29,409,445
Total Shares and Deposits 1 3 Years
4,302,352
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
373,945
Total Uninsured Shares and Deposits > $250K (F+J)
373,945
Total Insured Shares and Deposits > $250K (item 17 less item K)
33,337,853
Total Interest Expense (Sum of items 6 8)
760,275
Share Certificates
777
Number of Accounts for Regular Shares
4,560
Net Income (unless the amount is already included in Undivided Earnings)
429,055
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
922,012
Total Liabilities
34,558,344
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About SIOUX VALLEY COOP

Is SIOUX VALLEY COOP a safe place to deposit money?

Yes, SIOUX VALLEY COOP is considered a safe financial institution. With a Texas Ratio of 10.440950419732%, 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 SIOUX VALLEY COOP operate?

SIOUX VALLEY COOP 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 SIOUX VALLEY COOP?

Yes, to access services at SIOUX VALLEY COOP, 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, SIOUX VALLEY COOP 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, SIOUX VALLEY COOP provides members with tools to manage their accounts and build a solid financial history.

Does SIOUX VALLEY COOP offer online and mobile banking?

Most modern institutions like SIOUX VALLEY COOP 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: http://.http://./opfcucom.

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