Credit union · NCUA insured
Lakota FCU
Top CarrotA $19.3M credit union headquartered in Kyle, SD, with 4,125 members and 1 branch in South Dakota. Best rates: savings 0.20% APY.
Lakota FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#11 of 47 in South DakotaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lakota FCU
Lakota Federal Credit Union is a Kyle, South Dakota-based institution chartered in 2012 to provide banking services to the Pine Ridge Reservation.
The member-owned credit union serves individuals and organizations across Jackson, Oglala Lakota, Bennett, Todd, Mellette, Tripp, and Gregory counties.
- Headquarters
- 507 Main Street, Suite 104, Kyle, SD 57752
- NCUA charter
- 24847
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work (or regularly conduct business in), worship, attend school in, participate in associations headquartered in, or participate in programs to alleviate poverty or distress located in, and organizations located in the tribal lands of Jackson County and all of Oglala Lakota, Bennett, Todd, Mellette, Trip, or Gregory Counties in South Dakota.
Cost to join
- Membership requires opening a Share Account with a minimum deposit of $5.00 and presenting a federally recognized form of ID at the office.
Branches
1 branch in South Dakota
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South Dakota
1 branch
- Lakota Federal Credit UnionMain office507 Main Street, Suite 104, Kyle, SD 57752Directions
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 | 22.07% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.46% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 8.90% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio22.07%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.46%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets8.90%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ 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 Lakota FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.