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 Siouxland Federal Credit Union Rates & Review November 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 29, 2026
Siouxland Federal Credit Union's 12 month CD rates are at 4.00%, 6 Month CD rates are at 3.75%, 24 month CD rates are at 3.55%, 36 month CD rates are at 3.55%, 48 month CD rates are at 3.55%. Siouxland Federal Credit Union's savings rates are at 0.20%. Siouxland Federal Credit Union's money market rates are at 1.25%. Siouxland Federal Credit Union's checking rates are as high as 0.75%. Siouxland Federal Credit Union's Personal Loan Rates are as low as 14.00%. Siouxland Federal Credit Union's Credit Card Rates are at 9.49%. Siouxland Federal Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Siouxland Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.44%. Rates last updated and verified on 10/29/2026. Siouxland 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 Siouxland Federal Credit Union? Share your experience about Siouxland Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Siouxland Federal Credit Union. Siouxland Federal Credit Union
Siouxland Federal Credit Union 3000 Plaza Dr
https://www.siouxlandfederalcu.com South Sioux City, NE 68776  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. Siouxland Federal Credit Union CD Rates
Siouxland Federal Credit Union Savings Rates
Siouxland Federal Credit Union Money Market Rates
Siouxland Federal Credit Union Business Checking Rates
Siouxland Federal Credit Union Auto Loan Rates
Siouxland Federal Credit Union Credit Card Rates
Siouxland Federal Credit Union Personal Loan Rates
Siouxland Federal Credit Union Other Rates
Financial Health HistorySiouxland Federal Credit Union’s Texas Ratio fell from 4.06% in Q3 2023 to 2.44% 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. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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 Siouxland 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 Siouxland 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 Siouxland Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Siouxland Federal Credit Union
Address
3000 Plaza Dr,
South Sioux City, NE 68776
Phone
402-494-2073
Fax
402-494-4107
President
Rob Tuttle
CEO
Joel Steenhoven
Full-Time Employees
80
Part-Time Employees
3
Branch Locations
7
ATM Locations
7
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.44%
Return on Assets (ROA)
0.4410%
Return on Equity (ROE)
3.6115%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
351,910,262
Total Amount of Shares and Deposits
306,710,685
Total Shares and Deposits < 1 Year
290,817,886
Total Shares and Deposits 1 3 Years
11,573,989
Total Shares and Deposits > 3 Years
4,318,810
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,527,173
Total Uninsured Shares and Deposits > $250K (F+J)
14,527,173
Total Insured Shares and Deposits > $250K (item 17 less item K)
292,183,512
Total Interest Expense (Sum of items 6 8)
2,381,223
Share Certificates
2,748
Number of Accounts for Share Drafts
14,837
IRA KEOGH Accounts
656
Number of Accounts for Regular Shares
29,286
All other shares
671
Money Market Shares
1,760
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)
44,047,039
Total Liabilities
308,943,296
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Siouxland Federal Credit UnionDoes Siouxland Federal Credit Union offer CDs?Yes. Siouxland Federal Credit Union current CD rates include its 12 month CD at 4.00% APY, its 6 Month CD at 3.75% APY and its 24 month CD at 3.55% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Siouxland Federal Credit Union NCUA insured?Yes. Siouxland Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Siouxland Federal Credit Union?The highest Siouxland Federal Credit Union CD rate is its 12 month CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Siouxland Federal Credit Union offer?Siouxland Federal Credit Union CD rates are 3.75% APY for a 6 month CD, 4.00% APY for a 12 month CD, 3.55% APY for a 2 year CD, 3.55% APY for a 3 year CD, 3.55% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Siouxland Federal Credit Union for its full lineup. What is the highest savings rate at Siouxland Federal Credit Union?The highest Siouxland Federal Credit Union savings rate is its Christmas Savings at 0.20% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Siouxland Federal Credit Union?The highest Siouxland Federal Credit Union money market rate is its Money Market at 1.25% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Siouxland Federal Credit Union?The highest Siouxland Federal Credit Union checking rate is its Checking Accounts - Personal & Business at 0.75% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Siouxland Federal Credit Union?The lowest Siouxland Federal Credit Union auto loan rate is its 2020-New Vehicles, Motorcycles & Boats Loan at 4.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Siouxland Federal Credit Union?The lowest Siouxland Federal Credit Union personal loan rate is its Personal Loan - 36 Month Term at 14.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Siouxland Federal Credit Union?The lowest Siouxland Federal Credit Union credit card APR is its Rewards Visa Credit Card at 9.49% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Siouxland Federal Credit Union operate?Siouxland 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 Siouxland Federal Credit Union?Yes, to access services at Siouxland 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, Siouxland 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, Siouxland Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Siouxland Federal Credit Union offer online and mobile banking?Most modern institutions like Siouxland 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.siouxlandfederalcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Siouxland Federal Credit Union rates compare?Siouxland Federal Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Siouxland Federal Credit Union's top rates are its 12 month CD at 4.00% APY, its Christmas Savings at 0.20% APY, its Money Market at 1.25% APY, its Checking Accounts - Personal & Business at 0.75% APY, its Personal Loan - 36 Month Term at 14.00% APR and its Rewards Visa Credit Card at 9.49% APR, verified by MonitorBankRates on October 29, 2026. Current Siouxland Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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