Why Bank With Us?

  1. Free Stuff
    Free Internet Banking, Free Bill Pay, Free E-statements, Free Debit Card1,Free Telephone Banking, No Annual Fee Visa and much more!
  2. High IRA Rates
    Our IRA rate is .50 percent higher2 than a CD so your money will grow faster. Plus our IRAs have no setup fee or annual fee.
  3. CHIP Loans
    Rates as low as 1.9% APR3 for improvement, repair or addition to your home, and we’re one of only 10 banks in South Dakota to offer these.
  4. Prime Visions Club
    Ages 50 and over receive free checks, free photocopies, free cashier’s checks, free key registration, monthly planned events and more.
  5. CD Rates on a Savings Account
    Our Best Deal Savings Account4     allows you to get CD rates on monthly deposits as small as $25.
  6. Upgrade CD
    With our 18-month Upgrade CD, you can increase your rate once anytime during the term of your CD.
  7. Local Credit Card
    Enjoy Visa’s worldwide recognition with no annual fees5 and great, local customer service.
  8. Business Checking Without All the Charges
    No per check charges, no monthly fee, no transaction limits and lots of free services.
  9. Relationship Rates
    Get Relationship Rate increases up to 1.00%6 on all your CDs and IRAs based on the aggregate amount in all your accounts, including loans, CDs, IRAs, checking, savings, etc. Invest in us, and we’ll invest in you!
  10. Friendly, Local Customer Service
    We know you by name, not by account number.

You Decide

No matter why you decide to bank with us. We’re sure you’ll feel you made the right decision.
Just ask any of our customers.

1 Debit card subject to qualification.
2 There may be a penalty for early withdrawal. Fees may reduce earnings.
3 Annual Percentage Rates (APR) for CHIP loans depend on income and county of residence. Rates range from 1.9% APR to 5.9% APR. This program is offered in partnership with the South Dakota Housing Development Authority. Loan must meet standard Lender underwriting guidelines and is subject to approval. Properties must be owner-occupied, single-family and located in South Dakota. Other conditions may apply.
4 A minimum balance of $500 or $25 monthly automatic deposit is required until balance reaches $500. There may be a penalty for early withdrawal. Fees may reduce earnings.
5Subject to credit approval. Fixed rates of 9.50% APR on purchases and balance transfers and 14.50% APR on cash advances are subject to change and determined by card issuer. $3 cash advance fee. $15 late payment fee.
6 There may be a penalty for early withdrawal. For aggregate balances between $25,000 and $49,999.99, customers get a .25% increase on CDs and a .50% increase on IRAs. For aggregate balances greater than $50,000, customers get a .50% increase on CDs and IRAs with maturities of two years or  less.  For aggregate balances between $50,000 and $74,999.99, customers get a .50% increase on CDs and IRAs with maturities of more than two  years.  For aggregate balances between $75,000 and $94,999.99, customers get a .75% increase on CDs and IRAs with maturities of more than two  years. For aggregate balances $95,000 and greater, customers get a 1.00% increase on CDs and IRAs with maturities of more than two years.