Birthday Rate Blast!

Birthday Rate Blast Loan Promotion

Friends celebrating a birthday.

Official Rules

Read the Official Rules for the Birthday Rate Blast promotion. 

If you’d like, view the promotional poster by clicking here.


ALL applications must be submitted online on Saturday, September 29th between 8:00am-8:00pm CST.

Please note any application started and/or submitted before 8:00am CST on Saturday, September 29th, 2018 will received standard loan rates. The time stamp assigned to your application during the submission process will be determined solely by our loan processing system.

After Applying

After you have applied for your loan online on September 29, 2018 between 8:00am-8:00pm, a member of the Sioux Empire Federal Credit Union lending team will contact you beginning Monday, October 1st to complete your application. 

If you applied for a loan during this promotion and are not currently a member, you will be asked to join our Credit Union as part of completing the loan process. This allows us to assist you with convenient payment options and offer personalized service throughout the life of your new loan. Welcome!


Q.   How do I apply for this event?
A. This promotional event application window is now closed. Applications for this loan promotion were only accepted online. Qualifying applications must have been timestamped for September 29th between 8:00 am and 8:00 pm Central Time. No applications prior to the advertised start time will be counted as part of this event.

Q. Is there minimum credit qualifications?
A. Yes, a minimum credit score of 660 is required. Max term of loan is 72 months.

Q.   What rates are available?
A. 0.80% for the first $1,800,000 or 80 applications, whichever comes first. 1.60% for the next $1,800,000 or 80 applications, whichever comes first. 2.40% for remaining $1,800,000 or 80 loans, whichever comes first.

Q.Is my current loan at Sioux Empire FCU an option to refinance?
A. No, this promo strictly applies to new money loans to the Sioux Empire Federal Credit Union.

Q. What collateral qualifies for this event?
A. New & used automobiles, RV’s, motorcycles, and boats.

Q. Do any other rate discounts apply?
A. No other rate discounts apply.

Q. How will I know which rate bucket my loan request ended up in?
A. Timestamps of applications will be sorted, with dollar amounts included, in order to determine where the split of rate buckets will be marked. The Sioux Empire FCU lending team will begin contacting applicants on Monday October 1st to inform them of rates structure and to finalize the loan.

Q. How long do I have to wrap up my loan request?
A. Loans need to be booked by end of day Monday October 15, 2018

 Q. If I have ordered a new vehicle and the dealer has not yet received it, can I participate in this event?
A. If the dealer has a VIN and an Invoice, yes, we can do a loan without the physical vehicle.