At a glance
From its website, read 2 Nov 2026Fort Randall Federal Credit Union is a credit union based in Wagner, South Dakota. Its website describes farm loans, auto loans, credit-builder loans and 5 other loan types. Where it lends: Brule, Bon Homme, Charles Mix, Douglas, Gregory and Hutchinson counties, South Dakota. The consumer loan APR it states is 5.5%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.ftrandallfcu.com |
| Office (official list) | 231 Lake St NW, Wagner, SD 57380 |
What their website says about applying
Start your loan application online, over the phone, or in person at either of our convenient branches in Wagner or Platte.
sourceYou may need to provide identification, income and employment information, housing expenses, and details about the vehicle or trade-in.
sourceStart the loan application process by completing a Personal Financial Statement.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 5.5% APR | 5.50% APR | source |
| Auto / vehicle loans | Term: up to 7 yr | 84 Months (over $30,000) | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
599-Under
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 14 Jan 2022 |
| RSSD ID | 266682 |
| Address | 231 Lake St NW, Wagner, SD 57380 Directions (Google Maps) |
| Website | www.ftrandallfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Our ag loans support farmers and ranchers across Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties with funding that helps maintain, grow, or transition operations. | source |
| Auto / vehicle loans | — | We offer financing for new and used vehicles. | source |
| Credit-builder loans | — | Just starting out or rebuilding credit? Our credit builder loans are designed to help you strengthen your credit history and establish smart borrowing habits over time. | source |
| Equipment loans | — | Our business loans help cover everything from working capital and equipment to facility improvements, vehicle purchases, and beyond. | source |
| Home repair / improvement loans | — | Turn your home into an opportunity. | source |
| Home mortgages | — | Step into homeownership with confidence. | source |
| Personal / consumer loans | — | Whether you’re planning a wedding, covering an unexpected expense, or consolidating debt, a personal loan from Ft. Randall Federal Credit Union gives you the flexibility to move forward with confidence. | source |
| Small-business loans | — | That’s why we offer business and ag loans designed to meet the needs of local entrepreneurs, farmers, and ranchers | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Brule, Bon Homme, Charles Mix, Douglas, Gregory and Hutchinson counties, South Dakota
As a member-owned credit union serving Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties, we’re committed to providing friendly, personalized service.
source
Counties this matches: Bon Homme County, SD, Brule County, SD, Charles Mix County, SD, Douglas County, SD, Gregory County, SD, Hutchinson County, SD
Borrower focus
- Farmers / ranchers
Our ag loans support farmers and ranchers across Brule, Bon Homme, Charles Mix, Douglas, Gregory, and Hutchinson counties
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start your loan application online, over the phone, or in person at either of our convenient branches in Wagner or Platte.
source
Pages read (7)
- https://www.ftrandallfcu.com/
- https://www.ftrandallfcu.com/loan-services
- https://www.ftrandallfcu.com/loans/auto-loans
- https://www.ftrandallfcu.com/about/rates
- https://www.ftrandallfcu.com/loans/personal-loans
- https://www.ftrandallfcu.com/loans/business-ag-loans
- https://www.ftrandallfcu.com/loans/recreational-vehicle-loans
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your credit-builder loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4 million in 2 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FT RANDALL (charter 7067). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $44.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,462 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
South Dakota (2 offices)
- Charles Mix County (2): 231 Lake St NW, Wagner 57380 (main office); 100 W 7th Street, Platte 57369
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Fort Randall Federal Credit Union (NCUA charter 7067, filed as “FT RANDALL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $26.4 million, 1,944 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 3.9% from $25.4 million on 30 Jun 2025 |
| Members | 3,462 (as of 30 Jun 2026); 3,333 (as of 30 Jun 2025) |
| Loans per member | $7,631 (total loans divided by members, 30 Jun 2026) |
| Total assets | $44.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.6 million | 6.0% |
| Used vehicle loans | $10.9 million | 41.3% |
| First-lien home mortgages (1-4 family) | $6.8 million | 25.9% |
| Other real estate loans (junior liens, other) | $822,598 | 3.1% |
| Commercial (business) loans | $921,529 | 3.5% |
| Other unsecured loans | $2.4 million | 9.0% |
| Leases and other secured loans | $3 million | 11.2% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $44.2 million | Larger than 20% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 60% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $25.4 million → $26.4 million (+4%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 226 → 227. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 20% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 226 → 227 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Wagner and South Dakota
- Commercial Holding CompanyBank holding company · Wagner, SDOfficial list only
- Commercial State Bank of WagnerBank or thrift · Wagner, SDOfficial list only
- Akiptan, Inc.Loan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loansVerified
- Coteau Valley Federal Credit UnionCredit union · Sisseton, SDAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loansVerified
- Four Bands Community Fund, IncorporatedLoan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loans, Credit-builder loans, Home repair / improvement loans, Microloans…Verified
Work at Fort Randall Federal Credit Union? Link to this page
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