Best Personal Loan Rates in Spearfish, South Dakota (SD) - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to South Dakota borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in Spearfish, South Dakota include: HIGHMARKHIGHMARK309 W Jackson Blvd, Spearfish, SD, 57783 2034A5.0 ★Texas Ratio: 11.71% offering Construction Loan at 4.99% APR, Northern Hills Federal Credit UnionNorthern Hills Federal Credit Union2430 Platinum Dr, SPEARFISH, SD, 57783A+5.0 ★Texas Ratio: 3.53% offering Personal at 10.25% APR, Dakotaland Federal Credit UnionDakotaland Federal Credit UnionA+5.0 ★Texas Ratio: 3.55% offering Construction Loan at 3.99% APR, East River Federal Credit UnionEast River Federal Credit UnionA+5.0 ★Texas Ratio: 3.86% offering Recreational Loans at 6.05% APR, and Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering Church Loans at 7.25% APR. Personal loan rates as of April 14, 2026 according to verified data from MonitorBankRates.
Spearfish has 2 local institutions in our database, with personal loan rates as low as 4.99% APR from HIGHMARK at 309 W Jackson Blvd, Spearfish, SD, 57783 2034. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Spearfish, South Dakota.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Spearfish, South Dakota. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 14, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
HIGHMARK
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
309 W Jackson Blvd, Spearfish, SD, 57783 2034
Construction Loan
4.99%
▼
APR4.99%
Last UpdatedApril 14, 2026
Details
As Low As
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
2430 Platinum Dr, SPEARFISH, SD, 57783
Personal
10.25%
▼
APR10.25%
Last UpdatedApril 14, 2026
Details
As Low As
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
2430 Platinum Dr, SPEARFISH, SD, 57783
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 14, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Construction Loan
3.99%
▼
APR3.99%
Last UpdatedApril 14, 2026
Details
Rates as low as mortgage loans only
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Recreational Loans
6.05%
▼
APR6.05%
Last UpdatedApril 14, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Church Loans
7.25%
▼
APR7.25%
Last UpdatedApril 14, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedApril 14, 2026
Details
over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedApril 14, 2026
Details
up to $250,000; As Low As; 10 year fixed
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As; Including Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
750+
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedApril 14, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedApril 14, 2026
Details
750+
Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
A Loan for Your Personal Use
9.90%
▼
APR9.90%
Last UpdatedApril 14, 2026
Details
As Low As
APR9.99%
Last UpdatedApril 14, 2026
Details
Credit score 701+
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Unsecured Loans
9.99%
▼
APR9.99%
Last UpdatedApril 14, 2026
Details
As Low As; Up to $50,000
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedApril 14, 2026
Details
No additional details available.
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Vacation
10.25%
▼
APR10.25%
Last UpdatedApril 14, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedApril 14, 2026
Details
750+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As
APR10.75%
Last UpdatedApril 14, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedApril 14, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedApril 14, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedApril 14, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedApril 14, 2026
Details
679-650
Bluestone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Personal/Lifestyle Loan
12.00%
▼
APR12.00%
Last UpdatedApril 14, 2026
Details
As Low As;Debt Consolidation
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
12.00%
▼
APR12.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedApril 14, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedApril 14, 2026
Details
679-650
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
12.50%
▼
APR12.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedApril 14, 2026
Details
679-650
APR12.75%
Last UpdatedApril 14, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
13.00%
▼
APR13.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
13.50%
▼
APR13.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
14.00%
▼
APR14.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 750+
APR14.00%
Last UpdatedApril 14, 2026
Details
No additional details available.
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
14.50%
▼
APR14.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedApril 14, 2026
Details
649-600
APR14.99%
Last UpdatedApril 14, 2026
Details
Credit score 650-700
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
15.00%
▼
APR15.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 675-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedApril 14, 2026
Details
649-600
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
15.50%
▼
APR15.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
16.00%
▼
APR16.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
16.50%
▼
APR16.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
17.00%
▼
APR17.00%
Last UpdatedApril 14, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
PERSONAL UNSECURED
17.50%
▼
APR17.50%
Last UpdatedApril 14, 2026
Details
Credit Tier: 650-674
APR17.50%
Last UpdatedApril 14, 2026
Details
Credit score <650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedApril 14, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedApril 14, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedApril 14, 2026
Details
599 and Below
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
2430 Platinum Dr, SPEARFISH, SD, 57783
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedApril 14, 2026
Details
As Low As; Any Purpose-Vacations, Projects, Repairs
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loans
9.40%
▼
APR9.40%
Last UpdatedApril 14, 2026
Details
As Low As
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loan
10.15%
▼
APR10.15%
Last UpdatedApril 14, 2026
Details
No additional details available.
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
10.50%
▼
APR10.50%
Last UpdatedApril 14, 2026
Details
As Low As
Powered by
MonitorBankRates
No debt consolidation personal loan rates found in Spearfish, SD currently.
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedApril 14, 2026
Details
As Low As; Including Debt Consolidation
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.30%
▼
APR9.30%
Last UpdatedApril 14, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
▼
APR9.80%
Last UpdatedApril 14, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
▼
APR10.30%
Last UpdatedApril 14, 2026
Details
750+
APR10.75%
Last UpdatedApril 14, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
▼
APR10.80%
Last UpdatedApril 14, 2026
Details
750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
▼
APR11.05%
Last UpdatedApril 14, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
▼
APR11.55%
Last UpdatedApril 14, 2026
Details
749-680
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
▼
APR11.80%
Last UpdatedApril 14, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
▼
APR12.05%
Last UpdatedApril 14, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
▼
APR12.30%
Last UpdatedApril 14, 2026
Details
679-650
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
▼
APR12.55%
Last UpdatedApril 14, 2026
Details
679-650
APR12.75%
Last UpdatedApril 14, 2026
Details
No additional details available.
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
▼
APR14.55%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
▼
APR14.80%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
▼
APR15.05%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
▼
APR15.30%
Last UpdatedApril 14, 2026
Details
649-600
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
▼
APR17.55%
Last UpdatedApril 14, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
▼
APR17.80%
Last UpdatedApril 14, 2026
Details
599 and Below
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
▼
APR18.00%
Last UpdatedApril 14, 2026
Details
599 and Below
Powered by
MonitorBankRates
No home improvement personal loan rates found in Spearfish, SD currently.
Spearfish, SD Personal Loan Rate Trends
Compare local Spearfish, SD personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — SD Avg
13.443%
Unchanged vs 7 days ago
South Dakota personal loan rates currently average 13.443% APR.
Signature Loan — SD Avg
11.104%
▼ 2.024 vs 7 days ago
South Dakota signature loan rates fell 2.024 points over the past 7 days to 11.104% APR.
As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in South Dakota?
Most lenders in Spearfish, South Dakota require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in South Dakota often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Spearfish, South Dakota require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in South Dakota?
Yes. Debt consolidation is one of the most common uses of personal loans in Spearfish, South Dakota. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Spearfish, South Dakota?
Credit unions in Spearfish, South Dakota often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Spearfish, South Dakota?
- HIGHMARK: 4.99% (Construction Loan)
- Northern Hills Federal Credit Union: 10.25% (Personal)
- Dakotaland Federal Credit Union: 3.99% (Construction Loan)
- East River Federal Credit Union: 6.05% (Recreational Loans)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spearfish, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 14, 2026.
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