LOAN CALCULATOR

Estimate Your Monthly Loan Payments Instantly Online

Use our loan payment calculator to determine a monthly payment amount for fixed interest loans.

Disclaimer: The results provided by this loan calculator are for illustrative and informational purposes only. They are based on sample data and assumptions and may not reflect all applicable fees, taxes, insurance premiums, or special assessments. Actual loan terms, interest rates, and monthly payments may vary based on a range of factors, including lender policies, loan type, credit history, collateral, and current market conditions. This calculator does not constitute financial, legal, or tax advice. You should consult with qualified professionals at Ft Randall FCU to evaluate the risks and suitability of any loan product for your specific situation. Market conditions and lending rates are subject to change and may affect your final loan terms.

Your Guide to Loans at FRFCU

Taking out a loan is a big financial decision—but it doesn’t have to be overwhelming. At Ft. Randall Federal Credit Union, we’re here to help you make confident choices by providing clear information, helpful tools, and personal guidance every step of the way.

Whether you're buying a car, upgrading your camper, covering unexpected expenses, or exploring financing for your next big goal, this page is your starting point for smart, informed borrowing.

Types of Loans We Offer

Understanding your options is the first step toward finding the right fit. FRFCU offers a variety of loan types designed to meet your needs and budget, including:

  • Auto Loans – Competitive rates and flexible terms for new or used vehicles.

  • Boat & Camper Loans – Enjoy South Dakota’s outdoors with financing that fits your lifestyle.

  • Personal Loans – Cover life’s needs, from medical bills to home repairs, with no collateral required.

  • Share Secured Loans – Borrow against your savings while continuing to earn interest.

  • Agricultural Loans – Flexible lending solutions to support our local farming community.

  • Credit Builder Loans – Designed to help you establish or improve your credit history.

Looking for more details on each option? Visit our [Loans page] or contact a loan officer for one-on-one support.

What You’ll Need to Apply

Being prepared can help speed up the application process. Here’s what we typically require:

  • Valid government-issued ID

  • Proof of income (pay stubs or tax returns)

  • Employment and housing information

  • Details about the loan purpose (if applicable)

Additional documentation may be needed depending on the loan type. Our team will walk you through every step.

How to Apply

You can apply in person at our Wagner or Platte branch, or get started online. Either way, we’re here to help with questions, explain your options, and ensure you understand the terms before you commit.

If you’re not sure which loan is right for you, we’ll take the time to get to know your goals and recommend the best path forward.

Smart Borrowing Tips

Know your budget. Make sure your monthly payment fits comfortably within your income.

  1. Understand the total cost. Consider interest over time—not just the monthly payment.

  2. Check your credit. A stronger credit score can lead to better rates.

  3. Ask questions. We’re here to help you make informed decisions.

Need Help?

We believe lending should be personal, not complicated. Reach out today and let us know how we can support your borrowing journey.