At a glance
From its website, read 2 Nov 2026Sisseton Wahpeton Federal Credit Union is a credit union based in Agency Village, South Dakota. Its website describes auto loans and personal loans. Stated loan amounts run up to $60,000. 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
| Main | (605) 698-3462 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.sisseton-wahpetonfcu.com |
| Office (official list) | 45665 Veterans Memorial Dr, Agency Village, SD 57262 |
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 | Term: see their wording | Terms up to 72 months | source |
| Personal / consumer loans | Term: see their wording | Terms up to 24 months | 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
- No or thin credit history considered
Even if you have no credit history or even poor credit, Sisseton-Wahpeton FCU believes you should be able to get a great personal loan without paying outrageous rates.
source - Low or damaged credit considered
Even if you have no credit history or even poor credit, Sisseton-Wahpeton FCU believes you should be able to get a great personal loan without paying outrageous rates.
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 | Yes |
| Date certified (as listed) | 21 Aug 2026 |
| RSSD ID | 611684 |
| Address | 45665 Veterans Memorial Dr, Agency Village, SD 57262 Directions (Google Maps) |
| Website | www.sisseton-wahpetonfcu.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 5 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: medium. Membership is limited to tribe members, employees and related groups; no geographic service area is stated, and share-secured and unsecured loans have no stated amounts beyond the figures above. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $60,000 | Loan amounts up to $60,000 | source |
| Personal / consumer loans | up to $2,000 | Loan amounts of up to $2,000 are available for you. | source |
Loan sizes
Range used for the size filter: not stated to $60,000
Service area
Not stated on the pages we read.
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Sisseton Wahpeton Federal Credit Union is a credit union providing services to those members and employees of the Sisseton-Wahpeton Sioux tribe
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for a loan
source
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($60,000) but no minimum. - What is the APR, including fees, on your auto loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What documents will you need from me, and how long does a decision usually take?
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$2.3 million in 2 awards from the U.S. Treasury's CDFI Fund, 2020–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,553,405 |
| 2020 | CDFI Program, Financial Assistance | $737,500 |
Emergency Capital Investment Program (ECIP)
Treasury invested $1 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 SISSETON-WAHPETON (charter 23309). 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 | $4.9 million (as of 30 Jun 2026) |
|---|---|
| Members | 1,191 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
South Dakota (1 office)
- Roberts County (1): 45665 Veterans Memorial Dr, Agency Village 57262 (main office)
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 Sisseton Wahpeton Federal Credit Union (NCUA charter 23309, filed as “SISSETON-WAHPETON”). 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 | $2.9 million, 1,470 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 7.7% from $3.2 million on 30 Jun 2025 |
| Members | 1,191 (as of 30 Jun 2026); 1,805 (as of 30 Jun 2025) |
| Loans per member | $2,470 (total loans divided by members, 30 Jun 2026) |
| Total assets | $4.9 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $848,118 | 28.8% |
| Used vehicle loans | $892,364 | 30.3% |
| Other unsecured loans | $1 million | 35.6% |
| Leases and other secured loans | $152,936 | 5.2% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); commercial (business) loans; 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 |
|---|---|---|
| Largest loan its website states | $60,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 45% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $4.9 million | Larger than 8% 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 | $3.2 million → $2.9 million (-8%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 255 → 255. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 45% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 8% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 255 → 255 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 Agency Village and South Dakota
- 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
- Fort Randall Federal Credit UnionCredit union · Wagner, SDAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Equipment loans…Verified
- Four Bands Community Fund, IncorporatedLoan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loans, Credit-builder loans, Home repair / improvement loans, Microloans…Verified
- Grow South DakotaLoan fund · Sisseton, SDHome mortgages, Small-business loansVerified
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