Credit union · NCUA insured
Dakota Star Federal Credit Union
Top CarrotA $46.5M credit union headquartered in Rapid City, SD, with 3,016 members and 2 branches in South Dakota.
Dakota Star Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 90% of U.S. banks and credit unions
#1 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 Star Federal Credit Union
Dakota Star Federal Credit Union is a member-owned cooperative financial institution headquartered in Rapid City, South Dakota.
Following a charter expansion in 2021, the credit union serves persons and entities in Custer, Fall River, Lawrence, Meade, and Pennington counties.
- Headquarters
- 3122 W Saint Louis St, Rapid City, SD 57702-2354
- NCUA charter
- 8039
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work (or regularly conduct business in), or attend school in, and businesses and other legal entities located in the rural district of Custer, Fall River, Lawrence, Meade, or Pennington Counties, South Dakota.
Family and household
- Members of the immediate families or households of eligible individuals.
Other ways
- Members of record of this credit union as of the date of its conversion to a community field of membership on August 29, 2001.
Cost to join
- Deposit of at least one share (typically $5).
Branches
2 branches in South Dakota
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South Dakota
2 branches
- Dakota Star FcuMain office3122 W St Louis St, Rapid City, SD 57702Directions
- 1636 E St Patrick St1636 E St Patrtick St, Rapid City, SD 57701Directions
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 | 9.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.93% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $73 | $59 | — |
- CapitalNet worth ratio9.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.93%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$73Peers’ 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 Star Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.