LOANS

The Right Loan for Wherever Life Takes You

Financing That Fits Your Life, Backed by People Who Care

At Ft. Randall Federal Credit Union, we make borrowing simple and centered around your goals. Whether you need Auto Loans, Recreational Vehicle Loans, or Personal Loans, our options are built to help you live more and stress less—with competitive rates, honest terms, and local decisions made by people in your community. With branches in Wagner and Platte, we’re here to support your next step, wherever life takes you.

Personal Loan Line Icon

Personal Loans

Cover unexpected expenses, consolidate debt, or fund a big purchase with a flexible personal loan. With competitive rates and local service, you’ll get the support you need.

Green line drawing of a front view of a car on a black background.

Auto Loans

Finance your next ride with an auto loan that fits your lifestyle and budget. Whether you're buying new, used, or refinancing, we make the process smooth and stress-free.

Recreational Vehicle Loans

Hit the road, lake, or campground with a loan for your next camper, boat, or ATV. Our recreational vehicle loans offer affordable terms and local guidance so you can focus on the adventure ahead.

Overdraft Line of Credit

Protect your checking account from overdrafts with a line of credit that automatically kicks in when you need it. It’s a simple way to avoid fees and keep things running smoothly.

Share Secured Loans

Use your savings to secure a loan and enjoy lower interest rates while continuing to earn dividends. It's a great option for building credit or borrowing responsibly.

Credit Builder Loans

Just starting out or rebuilding credit? Our credit builder loans are designed to help you strengthen your credit history and establish smart borrowing habits over time.

Other Secured Loans

Looking to use collateral like a CD, vehicle, or other asset to secure a loan? We offer custom solutions to fit your needs—reach out to learn what’s possible.

Business/Ag Loans

Support your growing business or farm operation with competitive financing options, local decision-making, and a team that understands the unique needs of South Dakota businesses.

Why Ft. Randall Federal Credit Union?

Competitive Loan Rates

Quick Decisions Made Locally

Personalized, Friendly Service

Transparent Terms and No Pressure

We treat our members like family, not account numbers. That’s why so many of our members come back to us again and again—because we truly care.

Family laughing together.

Start your loan application online, over the phone, or in person at either of our convenient branches in Wagner or Platte. Our team is here to answer questions and walk you through every step.

At Ft. Randall Federal Credit Union, we're not just lending money—we’re investing in your future.