Credit union · NCUA insured
Explorers Credit Union
A $112.6M credit union headquartered in Yankton, SD, with 9,040 members and 4 branches in South Dakota. Best rates: CDs 3.02% and savings 0.05% APY.
Explorers Credit Union Carrot Score
72
Carrot Score
Higher than 31% of U.S. banks and credit unions
#12 of 18 in Sioux Falls, SD-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Explorers Credit Union
Explorers Credit Union is a member-owned cooperative headquartered in Yankton, South Dakota.
- Headquarters
- 609 W 21st St, Yankton, SD 57078
- NCUA charter
- 14874
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, volunteer, or attend school in designated counties in South Dakota and Nebraska.
Family and household
- Immediate family members of Explorers CU members are eligible for membership.
Cost to join
- A minimum share savings account deposit of $10 is required to establish membership.
Branches
4 branches in South Dakota
Loading map…
South Dakota
4 branches
Yankton area · 1
- YanktonMain office609 W 21st St, Yankton, SD 57078Directions
Parkston area · 1
- Parkston302 S SD Highway 37, Parkston, SD 57366Directions
Springfield area · 1
- Springfield1501 Walnut ST, Springfield, SD 57062Directions
Sioux Falls area · 1
- Tea730 E 1st St, Tea, SD 57064Directions
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 | 9.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.49% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $69 | $76 | — |
- CapitalNet worth ratio9.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.49%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$69Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Explorers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.