Accessing Capital to Grow Assets

We offer a variety of consumer loan products to help individuals and families build assets and create a more secure financial future. Whether you need help improving your credit or want to renovate your home, we can help you.

Credit Builder Loan (up to $3,000, exceptions up to $5,000)

The Credit Builder Loan is often times the first step for aspiring entrepreneurs or homeowners as it enables them to build a positive credit history. This loan is part of our Financial Empowerment Coaching program to support the achievement of financial goals.

Terms: Interest Rate 11%, Length of Repayment 2-3 years

Home Improvement Loan (up to $25,000)

Our Home Improvement Loan can be used to improve your home’s energy efficiency or complete other projects that increase the value of your home.

Terms: Interest Rate 7-9%, Length of Repayment up to 5 years

Home Mortgage Loan (up to $200,000)

The Home Mortgage Loan can be used to build or purchase a home on or off trust land. Manufactured homes are eligible.

Terms: Interest Rate varies, Length of Repayment up to 33 years

Eligibility Guidelines

Four Bands’ loan fund program is available for Native American and permanent residents of the Cheyenne River Sioux Reservation, as well as enrolled tribal members who reside in the state of South Dakota.

Loan applicants may be required to successfully complete a financial literacy course and develop a personal budget.

To start building assets for yourself and your family, fill out our Customer Information Form and return it to us.

Success Stories

BUILDING CREDIT AND CONFIDENCE
BUILDING CREDIT AND CONFIDENCE

Karen Ducheneaux Improves Credit Score Karen Ducheneaux came to Four Bands, because despite being financially responsible and paying her bills on...

Traveling the Path to Home
Traveling the Path to Home

Robbie Knight sets foundation for homeownership by participating in credit builder program. For Robbie Knight, her homeownership journey began...

A Permanent Solution to the Revolving Debt Cycle
A Permanent Solution to the Revolving Debt Cycle

Kelsie Kay Haskell is one of the first to participate in the redesigned credit builder program. Four Bands Community Fund has been deploying...

A Home They Will Always Call Their Own
A Home They Will Always Call Their Own

Jennifer Aberle Saves Her Way to Homeownership Jennifer Aberle (Cheyenne River Sioux) of Timber Lake, South Dakota says participating in Four...

Greening Cheyenne River One Home at a Time
Greening Cheyenne River One Home at a Time

Marcella Gilbert Uses Green Consumer Loan to Increase Energy Efficiency by Improving Home’s Water Systems For Marcella Gilbert, a loan from Four...

A Stepping Stone to Homeownership
A Stepping Stone to Homeownership

Aaron Runs After Uses Credit Builder Loan to Improve Credit and Become Mortgage Ready The past year has been full of accomplishments for Aaron...

Phone: 605-964-3687
Fax: 605-964-3689
Eagle Butte, SD 57625
412 S. Main Street