Dakota Star Credit Union Rapid City SD | Affordable Auto Loans & Business Banking

Introduction

At Dakota Star, we believe in putting our members first, fostering a sense of community, and providing reliable financial services tailored to your needs. Located at 3122 W Saint Louis St, Rapid City, SD 57702, our credit union has proudly served the local community since 1952. As a member-driven institution, we are thrilled to support over 3,020 members with personalized banking solutions that empower them to reach their financial goals. Whether you're looking for a new vehicle, planning your dream home, or simply managing your everyday finances, Dakota Star offers a wide range of services including checking and savings accounts, auto loans, mortgage options, and more. With total assets exceeding $40 million and deposits amounting to $1,842,159, we are committed to ensuring your funds are safe while providing you with competitive rates. Our dedicated team of 13 employees, led by CEO Kelli Wold and Board President Robin Clarke, is here to assist you every step of the way. We take pride in our hands-on approach to service because at Dakota Star, you're not just a number; you're part of our family. While you can visit us at our branch for all your banking needs during regular hours (Monday-Friday from 7:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM), we also encourage you to explore our online resources at dakotastar.org for added convenience. If you have questions or need assistance, don't hesitate to give us a call at 605-342-6442. We look forward to helping you achieve financial success!

Branch History & Mission

At Dakota Star, we take pride in our rich history and unwavering commitment to the community. Founded in 1952, our branch has grown from a small credit union into a trusted financial partner for over 3,000 members in Rapid City, South Dakota. We are located at 3122 W Saint Louis St, Rapid City, SD 57702, a convenient spot for locals and visitors alike. Our location is easily accessible, making it simple for you to take advantage of our range of services. Our mission at Dakota Star is clear: we strive to empower our members through personalized financial solutions while fostering community growth and support. We believe that everyone deserves access to quality financial services without feeling overwhelmed or lost in the process. This mission drives us every day as we provide essential services like checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Since our inception, Dakota Star has focused on building strong relationships within the community. We've partnered with local organizations and participated in outreach initiatives that aim to uplift those around us. Our total assets now stand at an impressive $40,717,110, a testament to our growth and stability over the years. The trust placed in us by our members fuels our desire to continually improve and expand the services we offer. In today's fast-paced world, we've embraced digital advancements while ensuring that our services remain accessible to all. Our online banking platform allows members to manage their finances conveniently from anywhere. For those who prefer face-to-face interaction, our drive-thru banking service is available during our operating hours: Monday to Friday from 7:30 AM to 5:30 PM and Saturday from 9:00 AM to 12:00 PM. While members can visit us at 3122 W Saint Louis St, official correspondence should be sent to 3122 W SAINT LOUIS ST, RAPID CITY, SD 57702-2354 if necessary. We invite you to contact us at 605-342-6442 for any inquiries or assistance. At Dakota Star, we're more than just a credit union; we're your neighbors dedicated to helping you achieve your financial goals. Join us today and experience the benefits of being a part of a community-focused organization that truly cares about your success!

Branch Location & Accessibility

Welcome to Dakota Star, your friendly neighborhood credit union located at 3122 W Saint Louis St in Rapid City, SD. We are here to serve you with a range of financial solutions tailored to meet your needs. Our branch is conveniently situated near popular landmarks, making it easy for you to stop by while running errands or enjoying the local community. At Dakota Star, we understand the importance of accessibility. Our branch features ADA-compliant facilities, ensuring that everyone can comfortably visit us. You'll find ample parking available right outside our doors, along with a convenient drive-thru service for quick transactions without having to leave your vehicle. Our dedicated team is ready to assist you during our operating hours: Monday through Friday from 7:30 AM to 5:30 PM, and Saturday from 9:00 AM to 12:00 PM. Whether you're looking to open a new checking account, apply for an auto loan, or simply ask questions about our services, we're here for you. While members can visit us at our branch address, official correspondence should be sent to 3122 W SAINT LOUIS ST, RAPID CITY, SD 57702-2354 if that differs from your visit. If you have any questions or need assistance, please don't hesitate to give us a call at 605-342-6442. We look forward to welcoming you into our community!

Member Eligibility

At Dakota Star, we believe that everyone deserves a chance to be part of a friendly and supportive financial community. Becoming a member is simple! If you live, work, worship, or attend school in the Rapid City area, you're already on the right track. We welcome individuals and their families to join us, ensuring that your financial needs are met with care and understanding. You can find more detailed eligibility criteria by visiting our website at http://www.dakotastar.org/membership . Once you confirm your eligibility, opening an account with Dakota Star is just a few easy steps away! Our team is here to guide you through the process, making it as smooth as possible. Plus, as a member of Dakota Star, you'll enjoy benefits like competitive rates on loans and access to various banking services tailored just for you. If you have any questions or need assistance, don't hesitate to reach out at 605-342-6442. We can't wait to welcome you to our family at 3122 W Saint Louis St Rapid City SD 57702!

Business Banking & Commercial Services

Loan Options That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. Imagine accessing the funds you need to purchase new equipment or hire additional staff our loans can help make that happen. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses in the area.

Merchant Services Tailored for Your Success

In addition to loans, we offer merchant services that simplify payment processing for your business. Picture this: you run a bustling café, and your customers expect quick, seamless transactions. Our merchant services ensure you can accept payments effortlessly, allowing you to focus on what you do best serving delicious food and drinks! Visit us at 3122 W Saint Louis St Rapid City Sd 57702 in Rapid City, SD, or give us a call at (605) 342-6442 to learn more about how we can support your business journey!

Comprehensive List Of Services

Additional Services

Need cash quickly? Our ATM and cash withdrawal services are available for easy access to funds when you're on the go. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without having to step inside. At Dakota Star, we're dedicated to meeting all of your financial needs under one roof. If you have questions about any of our services or want to learn more about how we can assist you in achieving financial success, please give us a call at 605-342-6442 or visit us online at dakotastar.org. We're here to help!

Auto Loans & Vehicle Financing

If you're looking to buy a new car or refinance your current vehicle, our auto loans provide competitive rates and flexible terms. Imagine driving off in that new ride without breaking the bank! Our friendly staff can guide you through the financing process, ensuring you get the best deal possible.

Business Banking

For local entrepreneurs and businesses, Dakota Star offers comprehensive business banking solutions, including merchant services and business loans. We understand that running a business requires flexibility and support, so let us partner with you in making your business thrive.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on everyday purchases. Picture enjoying cash back or travel rewards simply by using your card for routine expenses. It's a great way to make the most out of what you spend!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. You can manage your accounts from anywhere at any time check balances, pay bills, transfer funds, and more all from the comfort of your smartphone or computer.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we are here to support you every step of the way. With our mortgage loans and refinancing options, you can find a plan that fits your budget. Whether you're purchasing your first home or seeking better terms on your current mortgage, we simplify the process to make it less stressful.

Personal Banking

We understand that managing your finances is essential for achieving your goals. That's why we offer checking and savings accounts designed to help you save for the future while keeping your funds easily accessible. Whether you're budgeting for everyday expenses or planning for a major purchase, our personal banking options make it simple.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can tackle those challenges head-on. Need to consolidate debt? We can help streamline your payments into one easy-to-manage loan, giving you peace of mind and helping you stay on track financially.

Digital & Online Banking

Key Features of Our Online Services

Our online banking services are designed to put you in control. You can easily check your account balances, view transactions, and transfer funds whenever you need to. And if you're on the go, our user-friendly mobile application allows you to manage your finances right from your smartphone. Need to send money to friends or family? Our person-to-person transfer feature lets you do just that without any hassle. Plus, enjoy the peace of mind that comes with secure banking; we take your privacy seriously.

Round-the-Clock Access

With 24/7 online banking services available, managing your money has never been more accessible. Whether it's early morning or late at night, you can log in to your account and perform transactions at your convenience. At Dakota Star, we prioritize making banking simple and secure so that you can focus on what matters most your life! Explore more about our digital services today by visiting Dakota Star and take advantage of these member-friendly features tailored just for you.

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you'll receive your account statements electronically. This not only helps the environment but also makes it easier for you to keep track of your financial history in a safe and organized manner.

Financial Strength

Commitment to Growth

With $3,211,629 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we offer $470 in used auto loans and have a total of $25,009,066 in loans and leases available to support your financial goals across various sectors.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $5,433,310 in share certificates and $11,696,082 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $3,231,911, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $793 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Community Trust

Our total share accounts stand at 5,580, showing a strong and growing member base that trusts us with their finances. With net shares available for lending and investments at $560,997, Dakota Star is well-equipped to meet the needs of our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Dakota Star is your trusted partner. Visit us at 3122 W Saint Louis St Rapid City Sd 57702 or call (605) 342-6442 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,665,780 in used vehicle loans and $5,218,055 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got you covered.

Credit Lines

For those who need extra financial flexibility, our credit lines totaling $3,500,000 are available. This option allows you to access funds as needed while only paying interest on what you borrow.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,664,532, make buying or refinancing simple. We provide personalized support throughout the mortgage process to ensure you understand all your options.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, our team is here to help you explore eligibility options that could save you money each month. We'll guide you through the process to find solutions that work best for your financial situation. At Dakota Star, we're committed to providing quality service and support to our members. If you have questions or want to learn more about any of our loan products, don't hesitate to reach out at 605-342-6442 or visit us at 3122 W Saint Louis St Rapid City SD 57702. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $513,057 in loans helping members manage their finances effectively. These cards can be a great tool for building credit while offering rewards and benefits that suit your spending habits.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees that users receive fair and transparent offers, as all participating institutions are vetted for reliability.

DAKOTA STAR FEDERAL CREDIT UNION