Credit union · NCUA insured
Dakota Plains FCU
A $86.2M credit union headquartered in Lemmon, SD, with 4,900 members and 5 branches in 2 states. Best rates: CDs 1.45% and savings 0.55% APY.
Dakota Plains FCU Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#7 of 16 in Rapid City, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Dakota Plains FCU
- Headquarters
- 519 Main Ave, Lemmon, SD 57638-1421
- NCUA charter
- 11526
Branches
5 branches in 2 states
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South Dakota
4 branches
Lemmon area · 1
- Dakota Plains Federal Credit UnionMain office519 Main Ave, Lemmon, SD 57638Directions
Bison area · 1
- Dakota Plains Federal Credit Union120 W Main St, Bison, SD 57620Directions
Rapid City area · 1
- Dakota Plains Federal Credit Union107 Main St, Faith, SD 57626Directions
Pierre area · 1
- Dakota Plains Federal Credit Union1525 N. Garfield Ave., Pierre, SD 57501Directions
North Dakota
1 branch
- Dakota Plains Federal Credit Union221 S Main St, Hettinger, ND 58639Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.13% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.56% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.13% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $72 | $59 | — |
- CapitalNet worth ratio9.13%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.56%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.13%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$72Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Dakota Plains FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.