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Best Personal Loan Rates in Tea, South Dakota (SD) - April 2026

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Brian McKay Brian McKay
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Brian McKay

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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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| i Editorial Disclosure
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.
| ✓Fact Checked | Personal Loan Rates — Last Updated and Verified: April 6, 2026

Current personal loan options available to borrowers in Tea, South Dakota include: Explorers Federal Credit UnionExplorers Federal Credit Union730 E 1st St, Tea, SD, 57064A+5.0 ★Texas Ratio: 3.21% offering PERSONAL UNSECURED at 12.00% APR, Dakotaland Federal Credit UnionDakotaland Federal Credit UnionA+5.0 ★Texas Ratio: 3.55% offering Construction Loan at 3.99% APR, Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering Disaster Relief Loan at 5.99% APR, East River Federal Credit UnionEast River Federal Credit UnionA+5.0 ★Texas Ratio: 3.86% offering Recreational Loan at 6.80% APR, and Sentinel Federal Credit UnionSentinel Federal Credit UnionA+5.0 ★Texas Ratio: 4.56% offering Land/Lot Loans at 7.25% APR. Personal loan rates as of April 6, 2026 according to verified data from MonitorBankRates.

Tea has 1 local institution in our database, with personal loan rates as low as 12.00% APR from Explorers Federal Credit Union at 730 E 1st St, Tea, SD, 57064. 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 Tea, South Dakota.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Tea, 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 6, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
12.00%
View
▼
APR12.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
12.50%
View
▼
APR12.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
13.00%
View
▼
APR13.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
13.50%
View
▼
APR13.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
14.00%
View
▼
APR14.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
14.50%
View
▼
APR14.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 750+

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
15.00%
View
▼
APR15.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
15.50%
View
▼
APR15.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
16.00%
View
▼
APR16.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 700-749

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
16.50%
View
▼
APR16.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
17.00%
View
▼
APR17.00%
Last UpdatedApril 10, 2026
Details

Credit Tier: 675-699

Explorers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
730 E 1st St, Tea, SD, 57064
PERSONAL UNSECURED
17.50%
View
▼
APR17.50%
Last UpdatedApril 10, 2026
Details

Credit Tier: 650-674

Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Construction Loan
3.99%
View
▼
APR3.99%
Last UpdatedApril 10, 2026
Details

Rates as low as mortgage loans only

Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Rec LOAN
5.27%
View
▼
APR5.27%
Last UpdatedApril 10, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Disaster Relief Loan
5.99%
View
▼
APR5.99%
Last UpdatedApril 10, 2026
Details

$5,000 for Individuals / $10,000 for Churches

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Clergy Debt Relief Program
5.99%
View
▼
APR5.99%
Last UpdatedApril 10, 2026
Details

No additional details available.

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Recreational Loan
6.80%
View
▼
APR6.80%
Last UpdatedApril 10, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Church Loans
7.25%
View
▼
APR7.25%
Last UpdatedApril 10, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Faith Organization Loans
7.25%
View
▼
APR7.25%
Last UpdatedApril 10, 2026
Details

over $250,000; As Low As; 5 year adjustable - starting at

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Land/Lot Loans
7.25%
View
▼
APR7.25%
Last UpdatedApril 10, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Faith Organization Loans
7.50%
View
▼
APR7.50%
Last UpdatedApril 10, 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%
Pastoral Loan Program
7.99%
View
▼
APR7.99%
Last UpdatedApril 10, 2026
Details

No additional details available.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Tax Season Loan
7.99%
View
▼
APR7.99%
Last UpdatedApril 10, 2026
Details

Payable directly to the IRS

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
Signature Loan
8.99%
View
▼
APR8.99%
Last UpdatedApril 10, 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%
View
▼
APR9.30%
Last UpdatedApril 10, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.30%
View
▼
APR9.30%
Last UpdatedApril 10, 2026
Details

750+

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loan
9.40%
View
▼
APR9.40%
Last UpdatedApril 10, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal/Holiday Loans
9.40%
View
▼
APR9.40%
Last UpdatedApril 10, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedApril 10, 2026
Details

750+

Dakota Star Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
A Loan for Your Personal Use
9.90%
View
▼
APR9.90%
Last UpdatedApril 10, 2026
Details

As Low As

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Unsecured Loans
9.99%
View
▼
APR9.99%
Last UpdatedApril 10, 2026
Details

As Low As; Up to $50,000

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
9.99%
View
▼
APR9.99%
Last UpdatedApril 10, 2026
Details

Credit score 701+

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loan
10.15%
View
▼
APR10.15%
Last UpdatedApril 10, 2026
Details

No additional details available.

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal
10.25%
View
▼
APR10.25%
Last UpdatedApril 10, 2026
Details

As Low As

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 10, 2026
Details

As Low As; Any Purpose-Vacations, Projects, Repairs

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Vacation
10.25%
View
▼
APR10.25%
Last UpdatedApril 10, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedApril 10, 2026
Details

750+

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal/Holiday Loans
10.40%
View
▼
APR10.40%
Last UpdatedApril 10, 2026
Details

As Low As

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loan 60 months
10.50%
View
▼
APR10.50%
Last UpdatedApril 10, 2026
Details

As Low As

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedApril 10, 2026
Details

As Low As

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 10, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedApril 10, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedApril 10, 2026
Details

749-680

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal/Holiday Loans
11.40%
View
▼
APR11.40%
Last UpdatedApril 10, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedApril 10, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedApril 10, 2026
Details

679-650

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal/Holiday Loans
12.40%
View
▼
APR12.40%
Last UpdatedApril 10, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedApril 10, 2026
Details

679-650

Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Personal Loans
13.19%
View
▼
APR13.19%
Last UpdatedApril 10, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loan 18 months
13.50%
View
▼
APR13.50%
Last UpdatedApril 10, 2026
Details

As Low As

Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
Personal
14.00%
View
▼
APR14.00%
Last UpdatedApril 10, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedApril 10, 2026
Details

649-600

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
14.99%
View
▼
APR14.99%
Last UpdatedApril 10, 2026
Details

Credit score 650-700

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedApril 10, 2026
Details

649-600

Dakotaland Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Rec LOAN
16.08%
View
▼
APR16.08%
Last UpdatedApril 10, 2026
Details

No additional details available.

Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Personal
17.50%
View
▼
APR17.50%
Last UpdatedApril 10, 2026
Details

Credit score <650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
View
▼
APR17.55%
Last UpdatedApril 10, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedApril 10, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedApril 10, 2026
Details

599 and Below

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Personal Loans
9.30%
View
▼
APR9.30%
Last UpdatedApril 10, 2026
Details

As Low As

East River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
Personal Loan
9.40%
View
▼
APR9.40%
Last UpdatedApril 10, 2026
Details

As Low As

Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
Personal Loan
10.15%
View
▼
APR10.15%
Last UpdatedApril 10, 2026
Details

No additional details available.

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
Personal Loan
10.25%
View
▼
APR10.25%
Last UpdatedApril 10, 2026
Details

As Low As; Any Purpose-Vacations, Projects, Repairs

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loan 60 months
10.50%
View
▼
APR10.50%
Last UpdatedApril 10, 2026
Details

As Low As

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loans
10.50%
View
▼
APR10.50%
Last UpdatedApril 10, 2026
Details

As Low As

Voyage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Personal Loans
13.19%
View
▼
APR13.19%
Last UpdatedApril 10, 2026
Details

No additional details available.

Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Personal Loan 18 months
13.50%
View
▼
APR13.50%
Last UpdatedApril 10, 2026
Details

As Low As

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%
Clergy Debt Relief Program
5.99%
View
▼
APR5.99%
Last UpdatedApril 10, 2026
Details

No additional details available.

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%
View
▼
APR8.99%
Last UpdatedApril 10, 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%
View
▼
APR9.30%
Last UpdatedApril 10, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
9.80%
View
▼
APR9.80%
Last UpdatedApril 10, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.30%
View
▼
APR10.30%
Last UpdatedApril 10, 2026
Details

750+

HB TELCO
Institution Rating:
A+5.0 ★Texas Ratio: 5.53%
Signature
10.75%
View
▼
APR10.75%
Last UpdatedApril 10, 2026
Details

No additional details available.

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
10.80%
View
▼
APR10.80%
Last UpdatedApril 10, 2026
Details

750+

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.05%
View
▼
APR11.05%
Last UpdatedApril 10, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.55%
View
▼
APR11.55%
Last UpdatedApril 10, 2026
Details

749-680

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
11.80%
View
▼
APR11.80%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.05%
View
▼
APR12.05%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.30%
View
▼
APR12.30%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
12.55%
View
▼
APR12.55%
Last UpdatedApril 10, 2026
Details

679-650

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.55%
View
▼
APR14.55%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
14.80%
View
▼
APR14.80%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.05%
View
▼
APR15.05%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
15.30%
View
▼
APR15.30%
Last UpdatedApril 10, 2026
Details

649-600

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.55%
View
▼
APR17.55%
Last UpdatedApril 10, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
17.80%
View
▼
APR17.80%
Last UpdatedApril 10, 2026
Details

599 and Below

Service First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Signature Loan
18.00%
View
▼
APR18.00%
Last UpdatedApril 10, 2026
Details

599 and Below

No home improvement personal loan rates found in Tea, SD currently.

Tea, SD Personal Loan Rate Trends

Compare local Tea, 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.

View Full South Dakota Personal Loan Trends →
Personal Loan — SD Avg
13.166%
▲ 2.301 vs 7 days ago

South Dakota personal loan rates rose 2.301 points over the past 7 days to 13.166% APR.

Signature Loan — SD Avg
11.067%
▼ 0.099 vs 7 days ago

South Dakota signature loan rates fell 0.099 points over the past 7 days to 11.067% APR.

As of Apr 10, 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 Tea, 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 Tea, 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 Tea, 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 Tea, South Dakota?

Credit unions in Tea, 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 Tea, South Dakota?

  • Explorers Federal Credit Union: 12.00% (PERSONAL UNSECURED)
  • Dakotaland Federal Credit Union: 3.99% (Construction Loan)
  • Interfaith Federal Credit Union: 5.99% (Disaster Relief Loan)
  • East River Federal Credit Union: 6.80% (Recreational Loan)
  • Sentinel Federal Credit Union: 7.25% (Land/Lot Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tea, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026.

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