The rates listed below are effective as of October 1, 2011

Share Savings Accounts

Regular Share Savings	$50.00 & Above	Compounded Monthly	0.25% APY*
Christmas Club Account	$50.00 & Above	Compounded Monthly	0.25% APY*

Checking Accounts

$500.00-$2,499.00	Compounded Monthly	.05% APY*
$2,500.00-$9,999.00	Compounded Monthly	.05% APY*
$10,000.00-$24,999.00	Compounded Monthly	.10% APY*
$25,000.00-Above	Compounded Monthly	.10% APY*
$250,000 Plus	Compounded Monthly	.25% APY*

*APY=Annual Percentage Yield; Rates Are Subject To Change Without Notice.

IRA Accounts

$50 - $2,500	Compounded Monthly	.50/.50% APY*
$2,500 plus	Compounded Monthly	.99/1.00% APY*
$10,000 plus	Compounded Monthly	1.49/1.50% APY*

*APY=Annual Percentage Yield; Rates Are Subject To Change Without Notice.

Share Certificate Accounts & IRA Certificate Accounts

6 Month Term	Quarterly Compounding	.50/.50% APY*
1 Year Term	Quarterly Compounding	.75/.75% APY*
18 Month Term	Quarterly Compounding	.75/.75% APY*
2 Year Term	Quarterly Compounding	1.00/1.00% APY*
3 Year Term	Quarterly Compounding	1.49/1.50% APY*
4 Year Term	Quarterly Compounding	1.74/1.75% APY*
5 Year Term	Quarterly Compounding	1.99/2.00% APY*

IRA & Certificate Special

38 Month Special	Compounded Quarterly	1.00/1.00% APY*
51 Month Special	Compounded Quarterly	1.74/1.75% APY*

Earn up to an additional 1.00 APY on the Certificate Specials. Ask for Details on how you can earn this.**

*APY=Annual Percentage Yield; Rates Are Subject To Change Without Notice. Early withdrawal penalties apply. Minimum balance required for a share certificate account is $500.00. Minimum balance required for a share certificate account for Kids & Teens (Ages 0-18) is $100.00

Investor's Choice Accounts

$500.00-$9,999.00	Monthly Compounding	.25%APY*
$10,000.00-$24,999.00	Monthly Compounding	.30%APY*
$25,000.00-$49,000.00	Monthly Compounding	.35%APY*
$50,000.00-$99,000.00	Monthly Compounding	.40%APY*
$100,000 & Above	Monthly Compounding	.50%APY*

*APY=Annual Percentage Yield; Rates Are Subject To Change Without Notice. Minimum balance required for an Investor's Choice Account is $10,000.00.

Loans
Dakotaland Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by type and/or age of your collateral offered, length of the loan, and your credit history. *=Annual Percentage Rate. Other terms are available. Rates Are Subject To Change Without Notice.

Discount of up to .50% APR* of stated rates may apply to auto, recreational, and signature loans.
See loan officer for details.

Auto Loan Rates

2012 - 2007	Dakota Platinum	Dakota Gold	Dakota Silver	Dakota Bronze
36 Months	3.75% APR*	4.00% APR*	5.25% APR*	7.25% APR*
48 Months	4.00% APR*	4.00% APR*	5.50% APR*	7.50% APR*
60 Months	4.25% APR*	4.25% APR*	6.50% APR*	8.50% APR*
66 Months(07-12 only)	4.50% APR*	5.25% APR*	n/a	n/a
72 Months(07-12 only)	5.50% APR*	6.00% APR*	n/a	n/a

Model Year 2006 & Older	Dakota Platinum	Dakota Gold	Dakota Silver	Dakota Bronze
36 Months	6.25% APR*	6.75% APR*	7.50% APR*	11.00% APR*
48 Months**	6.50% APR*	7.25% APR*	7.75% APR*	11.25% APR*

**Minimum of $5000 financed for 48 month term.

Recreational Vehicle Rates - $3,000 and Above (If Under $3,000, Add 1.00%)

Recreational Loans	Dakota Platinum	Dakota Gold	Dakota Silver	Dakota Bronze
24 Months	4.50%APR*	4.75%APR*	5.75%APR*	7.75%APR*
36 Months	4.50%APR*	5.00%APR*	5.75%APR*	7.75%APR*
48 Months	4.75%APR*	5.00%APR*	6.00%APR*	8.00%APR*
60 Months	4.75%APR*	5.00%APR*	7.00%APR*	9.00%APR*

Signature Loan Rates

Signature Loans	Dakota Platinum	Dakota Gold	Dakota Silver	Dakota Bronze
12 Months	7.00%APR*	7.50%APR*	9.00%APR*	14.00%APR*
24 Months	8.00%APR*	8.50%APR*	10.00%APR*	14.00%APR*
36 Months	8.50%APR*	9.00%APR*	11.00%APR*	14.00%APR*

Certificate Or Share Secured Loan Rates

Certificate/Share Secured	Loan Term	Loan Rate
Certificate Secured	Certificate Term	2.00% Above Certificate Rate
Investor's Choice Secured	60 Months	4.00%APR*
Share Secured	60 Months	3.00%APR*

Visa Credit Card

Dakota Platinum	Dakota Gold	Dakota Silver	Dakota Bronze
9.9%APR*	11.9%APR*	13.9%APR*	17.9%APR*

Overdraft Protection

13.00%APR*