Huron, South Dakota - April 22, 2012


Dakotaland Federal Credit Union recently honored five area youth with $5,000 in College Scholarships for the 2012-13 school year. Each recipient completed a written application and essay, which was judged by a scholarship committee made up of seven individuals. "It was difficult to select just five winners from the large number of students that applied. I was very impressed with all the applications and particularly with their research and knowledge of the differences between credit unions and other financial institutions," stated Scholarship Committee Member and Member Services Representative, Jeremiah Johnson.

The following winners were each awarded $1000 to use toward their continued education. Alison Slepikas of Huron, SD is currently attending South Dakota State University in Brookings majoring in Medical Laboratory Science. Lisa Francis of Brookings, SD will be attending Brigham Young University in Provo, Utah and majoring in Neuroscience preparing for med school. Brandon VanOverschelde of Cavour, SD will be attending Mitchell Technical Institute in Mitchell majoring in Architectural Design and Building Constructions. Briana Rice of Redfield, SD will be attending South Dakota State University in Brookings in the Pre-Dentistry Program. Sabrena Schmidt of Huron, SD is currently attending Northern State University in Aberdeen majoring in Music Education.

Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, DeSmet, Redfield, Madison, Volga, Brookings and Woonsocket. With 21,000 members and $209 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - March 15, 2012

With an ever growing number of Karen persons utilizing financial services at Dakotaland, the Credit Union has recruited Htee Na (pronounced "Tina") as a full time interpreter/translator. "The Karen people are quickly adapting to the necessity for additional financial services and have grown from the basic need of checking and savings accounts to now requiring auto and home loans, but the language barrier continues to be a substantial obstacle. Many of the financial terms we use to explain these more advanced services do not translate in the Karen language, this makes the need for an in-house interpreter even more significant." stated Vice President of Marketing, Dawn Mutchelknaus.

Htee Na is originally from Burma and was a teacher at the Tham Hin Refuge Camp in Thialand. Speaking four languages, she earned her degree while still residing in Burma. Upon arriving in the United States seven years ago, Htee Na was initially employed by the St Paul/Minneapolis International Airport. She then moved to Huron in 2008 and secured a position with Dakota Provisions. Since, her resume has grown to include Cornerstones Career Learning Center, South Dakota Department of Motor Vehicles, Beadle County Clerk of Courts and South Dakota Department of Social Services. Htee Na's most recent position was with the Huron Middle School. "Htee Na's extensive work history and numerous experiences since arriving in America pushed her to the top of our candidate list. She speaks very fluently and it is evident she truly enjoys helping her fellow Karen." added Mutchelknaus.

Htee Na

"I am glad to be in Huron and very thankful for the freedoms and rights we are allowed here in the United States. I have been lucky to find jobs with good employers like Dakotaland, and as a mother I am grateful to have a safe place to raise my family," claimed Htee Na. Htee Na has four children that attend classes at Huron Public School. Her eldest child, Eh Khu (15) is in 8th grade, her son, Ne Soe (13) in 7th grade, her daughter, Nitya (9) in 4th grade and her youngest, John Htoo (5) is in kindergarten. Htee Na says she likes to shop and spend time with her kids, whom she is very proud.

Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Madison, Redfield, DeSmet, Volga, Brookings and Woonsocket. With nearly 21,000 members and over $200 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

De Smet, South Dakota - December 30, 2011 Dakotaland Federal Credit Union recently appointed Jason Baszler as the Manager of the new De Smet Branch Office. "The talent we were able to solicit from the Community of De Smet has been quite impressive. We were very fortunate to recruit top notch staff to join our Dakotaland Team." stated Credit Union President, Dan Cumbee. Jason's long list of banking experience makes him the ideal candidate to lead our commitment to this new branch and it's members." added Cumbee.

Baszler is a De Smet native and a 1994 graduate of De Smet High School. Jason holds a Bachelor of Science Degree in Finance from St. Cloud State in Minnesota. The new Credit Union Manager has over 12 years of financial experience with Wells Fargo and First Premier Bank both of Sioux Falls. Jason assumed his new position in late November and joins staff members, Roxene Helms, Tristin Gruenhagen and Barb Asleson at their 105 Highway 14 West location in De Smet. "I am very excited to be a part of the team in bringing Dakotaland Federal Credit Union to my hometown. I look forward to making Dakotaland an integral part of our communities and helping our members in anyway that I can. I invite everyone to stop and see us anytime." exclaimed Baszler. Jason and his wife, Angie, recently relocated from Sioux Falls to De Smet with their two children, 2 1/2 year old Ella and 11 month old Brooks. Angie is the Director of Development at the Avera McKenan Foundation of Sioux Falls.

De Smet Manager, Jason Baszler

Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison, Woonsocket, Redfield and De Smet. The Credit Union holds a rural community charter that serves those who live, work, worship or go to school in 25 East Central South Dakota Counties. With over 21,000 members and $180 million in assets, Dakotaland continues to be locally owned by its members. The cooperative was formed in 1935 and is governed by a volunteer board made up of Dakotaland member-owners.

Redfield, South Dakota - November 11, 2011 Redfield Staff, Left to Right: Barb Baus, Emily Nowell, Darrell Dickhaut, Sandy Lien, Renea VanBockel

The members of Turtle Creek Federal Credit Union have approved a merger with Dakotaland Federal Credit Union of Huron, South Dakota. The merger passed in early August with an overwhelming membership vote of 95% in favor. "This merger will provide additional services to Turtle Creek members, which they currently obtain from other financial institutions." says long time Manager, Darrell Dickhaut. The official Redfield branch conversion takes place the end of December. Turtle Creek Members will see a new sign in front of their Main Street address, but as in the past, they will continue to see the same friendly faces and receive the same great service they have come to expect from their credit union. Along with the new name, Turtle Creek will see an expanded offering of products and services. "The addition of these new financial services will allow our members to make Dakotaland their primary financial institution." states Dickhaut. Real estate lending, VISA credit cards, business lending, extensive electronic services, etc. are just a sample of the options coming in early January 2012 to the Turtle Creek Branch. Turtle Creek FCU was chartered in 1935 and has been serving those that live, work, worship or attend school in Spink County. The union of these two financial cooperatives will now expand the field of membership to those in 25 East Central South Dakota Counties. "I look forward to working with the growing Dakotaland organization and I am excited about the prospect of offering a full line of services at our Turtle Creek Branch in Redfield." added Dickhaut. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison, Woonsocket, DeSmet, and Redfield. With over 21,000 members and $180 million in assets, Dakotaland continues to be locally owned by its members. The cooperative was formed in 1935 and maintains a full line of financial services for its membership.

De Smet, South Dakota - September 26, 2011 De Smet Staff, Left to Right: Barb Asleson, Jason Baszler, Roxene Helms, Tristin Gruenhagen

Dakotaland Federal Credit Union branches out to the "Little Town on the Prairie" with a new office scheduled to open in De Smet. "A locally operated credit union office in De Smet gives Dakotaland the opportunity to better serve the expanding number of members that live and work in this growing community. We are pleased to be a part of the progressive commerce that exists in this town and look forward to bringing our full line of financial services to the residents of De Smet and the surrounding area." says Dakotaland FCU President, Dan Cumbee. The Credit Union will be conveniently located at the corner of Highway 14 and 25 in the Helms Insurance Agency building. Dakotaland FCU and Helms Insurance intend to give the property a facelift with some remodeling and new signage. A late November opening date is anticipated and both occupants are excited about providing complimentary services to their customers and members. "We are pleased we could assist the Credit Union in setting up their new branch. It's promising to see a new business open its doors in our community.", commented local businessman, Dennis Helms. Staffing the Dakotaland Office will be Tristin Gruenhagen and Roxene Helms, both of DeSmet. Gruenhagen and Helms bring an impressive list of qualifications and many years of financial experience to the new branch. "We are lucky to have secured two very talented local employees to help launch the long line of products and services Dakotaland is able to offer our De Smet members." stated Cumbee. The list of services will range from the basic traditional to the latest in technology, while maintaining an emphasis on convenience. Your local credit union branch will offer Savings Accounts, Free Checking Accounts, Certificates of Deposit, IRAs, and Direct Deposit for starters. Card Services will include a Dakotaland Visa Credit Card, and Advantage ATM & Check Cards. Members can also expect to see a wide variety of lending services including Auto Loans, Real Estate Loans, Recreational Vehicle Loans, Business Loans, Personal Loans and Overdraft Protection. And last, but not least it will feature a line of electronic services which include an Interactive Web Site, Online Account Access, Mobile Banking, Automatic Bill Pay, Facebook and numerous others at the time of their November opening. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison, Woonsocket, Redfield and now De Smet. The Credit Union holds a rural community charter that serves those who live, work, worship or go to school in 25 East Central South Dakota Counties, including Kingsbury. With over 20,000 members and $170 million in assets, Dakotaland continues to be locally owned by its members. The cooperative was formed in 1935 and is governed by a volunteer board made up of Dakotaland member-owners.

DAKOTALAND PARTNERS WITH ICAP TO PROVIDE VOLUNTEER INCOME TAX ASSISTANCE

Dakotaland Federal Credit Union and Inter-Lakes Community Action Partnership (ICAP) have partnered to provide Volunteer Income Tax Assistance (VITA) services to income-eligible households in eastern South Dakota. The National Credit Union Administration has provided grant funding to Dakotaland FCU to support the VITA program. Certified ICAP staff and volunteers will prepare basic income tax returns for lower-income households (those with incomes up to $49,000) at no cost, and will file the return electronically with the IRS. Persons eligible to receive a refund through the Earned Income Tax Credit (EITC) will also be assisted with those applications. Other partners for the VITA program include Internal Revenue Service, Dakota State University- SIFE, and East River Federal Credit Union. "We are excited to offer VITA services to eligible filers," said Arleen Weerheim, ICAP's Deputy Director. "The households do not pay any fees to have their returns prepared and filed, and the EITC can produce refunds into the thousands of dollars." ICAP has Community Service Workers in each of the following counties; Clark, Deuel, Grant, Hamlin, Kingsbury, Lake, Lincoln, McCook, Miner, Moody and Turner. These individuals are qualified to take applications for the VITA program and will also be certified to file income taxes.  For further information, contact your local Dakotaland branch in Madison at 256-6511, DeSmet at 854-5959 or call ICAP at 1-800-896-4106. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison, Woonsocket, DeSmet and Redfield. With over 21,000 members and $180 million in assets, Dakotaland continues to be locally owned by its members. The cooperative was formed in 1935 and maintains a full line of financial services for its membership.

Madison, South Dakota - August 31, 2011 Branch Manager Lynnette Taylor stands with the Interlakes Federal Credit Union Staff BACK ROW, LEFT-TO-RIGHT: Lynnette Taylor, Kelly Hills, & Nancy Calmus FRONT ROW, LEFT-TO-RIGHT: Helen Bergeron & Adam Eggert

The members of Interlakes Federal Credit Union in Madison South Dakota have approved a merger with Dakotaland Federal Credit Union of Huron, South Dakota. The merger passed in early August with an overwhelming membership vote of 95% in favor. "The opportunity to merge gives Interlakes the growth and stability that our members expect from their financial institution now and into the future." says long time Manager, Lynnette Taylor. Interlakes Members can expect to see a new sign in front of their Washington Avenue address, but they can also anticipate seeing the same friendly faces and receiving the same great service they have come to expect from their credit union. Along with the new name, Interlakes Federal Credit Union will see an expanded offering of products and services. "The addition of several new financial services will be one of the highlights of merging with Dakotaland." states Taylor. Real estate lending, VISA credit cards, business lending, extensive electronic services, 24-hour drive up Advantage ATM services, etc. are just a sampling of the options coming in early October to the Interlakes Branch. Interlakes FCU was chartered in 1970 and has been serving those that live, work, worship or attend school in Lake County. The union of these two financial cooperatives will now expand the field of membership to those residing in East Central South Dakota. "I'm excited to be a part of the growing Dakotaland organization and I appreciate the support and confidence they have in our continued success in Madison." added Taylor. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison, Woonsocket and Redfield. With over 20,000 members and $164 million in assets, Dakotaland continues to be locally owned by its members. The cooperative was formed in 1935 and continues to offer a full line of financial services to its membership.

Brookings, South Dakota - September 22, 2011

Dakotaland Federal Credit Union recently selected Chad Moller as the new Branch Manager of the Brookings Office. "Securing a seasoned manager like Mr. Moller with his extensive experience in mortgage lending and in-depth knowledge of credit unions is a true asset to our growing organization.", stated Credit Union President, Dan Cumbee. "Lending practices have become more and more regulated over the recent years and Chad's expertise in these areas is a real advantage for Dakotaland. We are fortunate to find someone of Mr. Moller's caliber.", added Cumbee. Chad is a Cherokee, Iowa native and a graduate of SDSU in Brookings with a Bachelor of Science Degree. He has spent the past 8+ years collectively with CU Mortgage Direct and Keystone Mortgage both of Sioux Falls. "It's good to be returning to a community in which I feel I had formed a real connection. I'm excited to be back and looking forward to my new job and all the challenges that come with it." noted Moller. Chad and his wife, Michelle, currently reside in Crooks, SD with their 4 year old twin boys, Konner and Karsten. The Moller family has intentions of relocating to the Brookings Area. Michelle is a full time employee with the State of South Dakota.

Chad Moller - New Brookings Branch Manager

Moller will be taking over branch operations from long time Manager, Gina Williams. Williams has accepted a position at Dakotaland's main office in Huron and will be relocating later this fall. Gina's new assignment includes the transitional management of several acquired branch offices as they merge and develop. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, Madison and Woonsocket. With nearly 20,000 members and $170 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - September 28, 2011 The US Treasury will no longer sell paper savings bonds through financial institutions as of January 1, 2012. You will still be able to purchase your savings bonds at Dakotaland through December 31st. While the treasury estimates the change will save $70 million over the next five years, benefits to investors also increase as the traditional bond becomes a 21st Century investment tool. Electronic bonds are less likely to be misplaced; in fact, they are purchased and managed free of charge, and will automatically redeem at maturity. The US Treasury claims there are $16 billion in unredeemed savings bonds still in the hands of investors that are no longer earning interest. If you have bonds that are more than 30 years old, it's time to redeem them. Paper bonds can still be redeemed at Dakotaland and you will be able to redeem your paper bonds at financial institutions through maturity. After January 1, you will need to purchase bonds through treasurydirect.gov.

Huron, South Dakota - July 23, 2011 By PLAINSMAN Staff

Dakotaland Federal Credit Union has donated $30,000 to the Central Park fund. Pictured from Dakotaland are (front, from left) President Dan Cumbee, Vice President of Marketing Dawn Mutchelknaus, Vice President of Lending Bryan Smith, along with Central Park task force members Marilyn Hoyt and Huron's Director of Parks and Recreation LaRon Klock. In back, behind the counter are Dakotaland tellers Cheyann Forman, Jeremiah Johnson and Bailey Tschetter. PHOTO BY SEAN M.X. KELLEY/PLAINSMAN

The Dakotaland Federal Credit Union made its splash for Central Park with a donation of $30,000 to the Central Park Project Fund. "Dakotaland is excited to show support for this remarkable community project and it's important to understand the impact the new Central Park will have on the quality of life for those that live in and around the Huron Area," stated President Dan Cumbee. The donation is at the Master Blaster level of gifts and will help fill the $3 million "pool" of funds needed from the community to complete the funding of the $12.6 million project which has three main parts, all to be placed on the former site of Huron University. The three main segments are Central Park itself, the Huron Aquatic Center which will be located in the park's center, and the Campus Center which will be located near the southwest corner of the property. The aquatic center will feature a 50 meter, 8-lane competition swimming pool as well as a handful of waterpark rides or attractions, including the Master Blaster, a roller coaster type water ride where swimmers ride a raft both up and down a slide. The nearest slide of its kind is in the Wisconsin Dells waterparks located in the center of Wisconsin. The park will feature picnic shelters, playgrounds and walking paths around the aquatic center and throughout the park itself. The Campus Center will become home to the Huron Parks and Recreation Department as well as having plenty of space for the community and the Huron Community Campus to use. Pledges will be accepted for the park fund until Aug. 15. Pledge cards were mailed out to the community last weekend and extra pledge cards can be picked up at the Parks and Recreation Department offices in Bergman Arena or the Finance Office where completed pledges also need to be turned in.

Huron, South Dakota - August 1, 2011

We are excited to tell you about an opportunity for the members of Turtle Creek Federal Credit Union and Interlakes Federal Credit Union. The Board of Directors has unanimously decided to join operations with Dakotaland Federal Credit Union. A great deal of thought and discussion went into this decision by the Board and staff, and overwhelmingly it was determined that this is the best decision for the benefit of the members.

Benefits to Merged Credit Union Members:

Full Line of Mortgage Lending Products
• 30 Year Fixed Rate Loans sold in the Secondary Market (Purchase or Refinance)
• All Servicing Remains with Dakotaland except SD Housing Loans
• Direct Partner with Fannie Mae, Federal Home Loan Bank, USDA Rural Development
• Approved SD Housing Lender for First Time Homebuyers
• In-house Financing with very flexible terms
• Ag Land to Building Lots to Construction Loans
• Low Cost Home Improvement Loans
• Home Equity Lines of Credit (HELOC'S) Fixed and Variable
• Rental Houses - Commercial Real Estate
• Escrowing Available

Business Lending
• Loans for Commercial Real Estate
• Loans for Equipment or Inventories
• Operating Lines
• Approved SBA Lender
• $2,000,000 Individual Lending Limit

ATM Program
• We own 9 ATM Machines that are always Surcharge Free
• Belong to the Advantage Network (Several Surcharge Free Machines)
• Belong to the CO-OP Network & Access to 26,000 Surcharge Free Machines Nationwide
• Real Time ATM Processing
• ATM Cards and ATM Check Card with Visa Access

Visa Credit Cards
• Online Access and Processed In-house
• 25 Day Grace Period - No Annual Fees
• Visa Rewards Points
• E-Statement Available

Online Account Access – All Free to all Members
• Full Access to your Account
• Balance Inquires, Balance Transfers
• Loan Payments, Loan Advances on Open End Loans
• Viewing of Check Images of Checks that have cleared (Front and Back)
• Very Secure with Multifactor Authentication
• e*Statements
• Free Bill Payer
• Cell Phone Access Package
• Facebook

Additional Benefits
• Touchtone Teller Voice Response Access
• Great Rates and Low Fees with Relationship Pricing
• Indirect Lending Options available at Select Dealerships
• Scholarship Opportunities 5 - $1000 Scholarships Per Year
• Dakotaland is Financially Very Strong and Secure

Huron, South Dakota - July 26, 2011 Huron native, Ryan Goehner returns to his hometown to assume the responsibilities of Financial Officer at Dakotaland Federal Credit Union. "As an employer, it is rewarding to recruit a very talented employee with local roots back to Huron. Ryan's financial experience is a true strength to the Credit Union and we are excited to have him on board.", stated Credit Union President, Dan Cumbee. Goehner will be stationed out of the main office at 1371 Dakota Avenue in Huron, but will be extending his expertise to all the Dakotaland branch locations. "My wife and I both have family in this area, so when this opportunity became available at Dakotaland we were intrigued with the idea of coming home and raising our family in Huron.", commented Goehner.

Ryan Goehner

Ryan has spent the past 4 years with Williams & Company as a Senior Accountant in Yankton, SD and has been diligently working on his CPA Certification which he will receive yet in 2011. Mr. Goehner has a Bachelor of Business Administration, Accounting Degree and a Masters in Public Accounting from the University of South Dakota. Ryan and his wife, Heather have a 7 month old son, Lincoln and Heather is an employee of Pro PT in Huron. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings and Woonsocket. With nearly 20,000 members and $162 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - June 21, 2011 Dakotaland Federal Credit Union recently honored 5 area youth with $5000 in College Scholarships for the 2011-12 school year. Each recipient completed a written application and essay, which was judged by a scholarship committee made up of 7 individuals. " I was thoroughly impressed with all the applications and particularly with their knowledge of the credit union's impact on their community." stated Scholarship Committee Member and Secretary of the Credit Union Board of Directors, Bonnie Geyer. The following winners were each awarded $1000 to use toward their continued education. Sabrena Schmidt of Huron, SD will be attending Northern State University in Aberdeen majoring in Music Education. Larissa Sapp of Volga, SD is currently attending Northwestern College and majoring in Biology-Pre Vet. Bailey Tschetter of Huron, SD will be attending USD in Vermillion majoring in Business-Finance. Jeremiah Kiehn of Huron, SD will be attending Mount Marty College in Yankton and has yet to declare a major. Emma Smith of Huron, SD will be attending USD in Vermillion majoring in Health Science with a minor in Spanish. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings and Woonsocket. With 21,000 members and $162 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - June 15, 2011 Dakotaland Federal Credit Union hosted their Annual Memberfest on Tuesday, June 14th and while a thousand credit union members enjoyed a fabulous pork loin BBQ, a collection of a $1200 in cash donations was raised for the local United Way. According to the Director of the United Way of Huron, Rhonda Kludt, Dakotaland is what they call a pace-setter business. "They host an event prior to the start of our campaign that gets things rolling." says Kludt. "The Credit Union has always done this for us and it's a great way to launch our fundraising efforts." she added. Credit Union President, Dan Cumbee was pleased to present the donation to the United Way of Huron on behalf of Dakotaland's Membership. "We are proud to say our credit union members are the best and their generous donations to this community focused agency is a reflection of their benevolence and willingness to support a good cause." stated Cumbee. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings and Woonsocket. With 21,000 members and $162 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Back Row (Left to Right): Dan Cumbee, Rhonda Kludt, Laura Jones, Jodi Evans, Lorna Houge, Chris Studer, and Justin Fischer Front Row (Left to Right): Karla Wiegel, Amy Busch, Dawn Mutchelkanus, Mary Lucklum, Allison Lucklum, Chantel Halperin, London Forman, Cheyann Forman, Sharon Hedge, and Beckie Boetel

Huron, South Dakota - March 17, 2011

Dakotaland Federal Credit Union is pleased to announce the addition of Lesa Rowen as a Consumer Loan Officer at the Huron location. "It's a true asset to the credit union and our members to secure the knowledge and expertise that comes with a senior loan officer like Lesa.", says VP of Lending, Bryan Smith. Lesa Rowen joins the ranks of Dakotaland veterans such as Sharon Hedge and Lorna Houge. With nearly 20 years of lending experience, Rowen states, "I am excited for the opportunity to work for a locally owned institution like Dakotaland and I look forward to serving our members". Lesa's time within the financial industry includes employment with Western Bank, First Midwest Bank and Home Federal, all of Sioux Falls. Prior to Dakotaland, Ms. Rowen was serving as the Benefits Specialist Supervisor for the Department of Social Services Division of Economic Assistance in Huron. Rowen attended Northern State University and holds a Bachelor of Science Degree in Business Administration. Lesa and her husband, Glenn have six grown children and ten grandchildren. The couple live and ranch near Wessington, SD.

Lesa Rowan, Consumer Loan Officer

Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings and Woonsocket. With 21,000 members and $160 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - February 01, 2011 In today's volatile banking environment, building and maintaining a successful financial institution takes a mixture of creative technology, solid lending practices, excellent customer service, a portfolio of viable financial services, and for good measure, throw in a crystal ball for those much needed future financial predictions. In the case of Dakotaland Federal Credit Union, an additional winning ingredient had been added providing its own kind of magic. Let me introduce you to Credit Union President, Dan Cumbee. Logging nearly 25 years at the helm, Cumbee has provided the Credit Union with the vision and steadfast leadership that has positioned Dakotaland to be a flagship in Eastern Central South Dakota. According to the history books, Dakotaland Federal Credit Union came from humble beginnings in Huron as Armour Federal Credit Union with a mere 10 members in 1935. The Credit Union was formed to provide savings and loans to its meat packing members. At that time, the average annual salary was $1500, the maximum credit union savings account was $500 and the maximum credit union loan was $25 dollars.

In 1983, the Credit Union's only sponsor group, Armour Meat Packing plant closed leaving 550 members wondering if they would lose their credit union permanently. The Board of Directors chose to expand the field of membership to include other employer groups in Huron and changed the Credit Union's name to Dakotaland Federal Credit Union. In 1997, another plant closing (Dakota Pork), gave way to a community charter approval for Dakotaland. With nearly 6,000 existing members, the Credit Union opened its doors and services to anyone who lived or worked in Beadle County. To date, Dakotaland has expanded to nearly 21,000 members and over $150 million in assets with branch offices located in Huron, Volga, Woonsocket, and Brookings. The Credit Union provides solid employment for 63 full and part time staff and has substantiated itself as a lending leader. "We have come along way since the days of Armours," commented Dan Cumbee. Dakotaland lends nearly $100 million per year and has provided over 40% of all the home mortgages for Beadle County the last two years running.

Dan Cumbee, President of Dakotaland FCU, stands proud with the Huron staff

Today, Dan Cumbee is excited to announce the approval of a 25 County Community Charter Expansion, which will allow Dakotaland to extend credit union services to anyone who lives, works, worships or attends school in the counties of Beadle, Jerauld, Sanborn, Kingsbury, Brookings, Moody, Lake, Miner, McCook, Hanson, Davison, Aurora, Brule, Buffalo, Hand, Hyde, Hughes, Sully, Faulk, Spink, Clark, Codington, Hamlin, Grant and Deuel. "Our focus has always been on meeting the financial needs of our local community and this expansion means our family just got a whole lot bigger." commented Cumbee. Dakotaland Federal Credit Union is a locally owned, not-for-profit financial cooperative which is owned and operated by its members. This means it has no ties to Wall Street or to a corporate headquarters in another state. All decisions regarding the operation of the Credit Union and its member's financial business are made locally. This allows Dakotaland to maintain its focus and financial reinvestment in its loyal member-owners. During our nation's recent financial downturn, Dakotaland is proud to say it has remained unshaken and very healthy. In addition, the soundness issues haunting the banking industry nationwide have had no effect on the Credit Union's strength and stability. "I give full credit for Dakotaland's continued success and soundness to Dan Cumbee.", stated Credit Union Board Chairman, Robin Olson. "It is Dan's forward thinking and long term planning that has gotten us where we are today. That kind of longevity and dedication amongst the management ranks is a rarity in today's world and I look forward to being a continued part of Dakotaland's bright future, not only serving on the board, but also as a 25 year credit union member." added Olson. "We've always tried to do the right thing for our members and the communities we serve, even if that meant taking a risk", stated Cumbee. Dan went on to explain that it's easy being the primary financial institution during the good times, but it's the tough times that separates the mediocre financial institutions from the great ones. Dakotaland feels they have always locked arms with its members during the difficult times and have overcome the challenges, whether it was a large layoff or a plant closing. "Our members knew they could count on Dakotaland to be there for them." summarized Cumbee. Dakotaland Federal Credit Union is a full-service financial institution, taking pride in serving its members. According to Cumbee, "It is our goal to keep a line up of services with excellent rates and low fees that best fit the needs of our members." Services range from the basic traditional to the latest in technology, while always maintaining an emphasis on convenience. Dakotaland offers Savings Accounts, Free Checking Accounts, Certificates Of Deposit, IRAs, and Direct Deposit for starters. Card Services include a Dakotaland Visa Credit Card, and Advantage ATM & Check Cards. The Credit Union also provides a wide variety of lending services including Auto Loans, Real Estate Loans, Recreational Vehicle Loans, Business Loans, Personal Loans and Overdraft Protection. And last, but not least it features a line of electronic services which include an Interactive Web Site, Online Account Access, Mobile Banking, Automatic Bill Pay, Facebook and more! So what is the secret recipe to a financial institutions success? There is no doubt the Credit Union's unprecedented growth and current position in the financial marketplace are greatly due to the management and vision of a very devoted President, but Mr. Cumbee will be the first to tell you that it's truly due to the hard work of the dedicated staff, the loyalty and trust of our members and the support of an outstanding Board of Directors that celebrates the past, maximizes the present and shapes the future for Dakotaland Federal Credit Union.

Huron, South Dakota - December 22, 2010 Board members Ron Roy and Bonnie Geyer will seek re-election to the DFCU board of directors at the 76th Annual Meeting. Geyer has served on the board of directors since 2004. Roy has served on the board for the past 28 years. The nominating committee is also accepting nominations from anyone who may be interested in serving on the Board of Directors. Nominations must be received by February, 18th, 2011. For more information, please contact Jeanne Hartman at: jeanne_hartman@us.aflac.com The 76th Annual Meeting will be held March 12th, 2011 at the Crossroads Hotel & Convention Center. Tickets will go on sale, February 1st, 2011.

Ron Roy has been a director at DFCU since 1983 and a member of the Credit Union for 32 years. Ron is employed by LSI in Alpena. Mr. Roy has also worked for Riverside Manufacturing, Dakota Pork, Swift Independence, and Armour Foods for a total of nearly 20 years in the meat packing industry. Ron Roy currently serves as Treasurer of the Board, and has served on the board for 28 years. Ron and his wife, Laurie, have five children between them and love spending time with their children and 9 grandchildren. Ron and Laurie reside in Huron.

Bonnie Geyer has worked for South Dakota Farmers Union for the past 31 years and serves as the State Education Director. In her position as Education Director, through the Summer Camping Program, she has the opportunity to teach youth statewide about the value and importance of credit unions and other types of cooperative businesses. Bonnie currently serves as the Secretary of the DFCU Board of Directors. Prior to that, she served on the Supervisory Committee from March 1998 until her election to the board in 2004. Bonnie active on the Huron Chamber Ag Committee and is a 2002-2003 Leadership Huron Graduate. She is a member of the American Legion Auxiliary and a Notary Public.

Huron, South Dakota - November 19, 2010 An education, a new car and a home some would say it's the definition of the "American Dream." For a 25-year old woman who has spent her entire life in a refugee camp at the hands of a war-torn country, it is an inconceivable thought and signified all that would never be until today.

Sah Lay Lay Wah was born in Thailand to Karen parents in a camp called Hway K'lot which housed thousands of refugees from Burma. Her father was a soldier stationed at Kaw Moo Ra near the front lines, and her mother worked in a hospital, spending much her time educating other Karen about maintaining healthy families and homes under not so sanitary conditions. Sah and her siblings learned to live and grow within the safer confinements of the refugee camp. The children grew up knowing that leaving the camp meant taking the chance of being captured by the Thai soldiers and put in jail or worse in the case of those raped and murdered. "I don't remember being scared while living in the refugee camps, but we were careful to follow the rules," says Sah. At the age of 14, Sah Lay Lay Wah and her family moved to a second refugee camp (Mae La). She remembers moving because her hame in Hway K'lot was burned by the SPDC, made up of Burmese soldiers and DKBA (Democratic Karen Buddhist Army). The camp and homes were first burned, and then later the soldiers returned to shoot those that remained at the camp.

Sah Lay Lay Wah, Blue Nay Htoo, and their baby girl, Sar Nay Wah.

Mae La was the home to nearly 40,000 Karen refugees and it was there that Sah's father built their home. He chopped down the bamboo for the walls and constructed the roof out of leaves. There were no telephones, no television and no computers. Cooking was done over open coal and wood fires. Families were afforded electricity for only 2-3 hours a day via a generator, a luxury provided only to a few and for a fee. Responsible for much of their own food source, the family planted large gardens, which consisted of items like cabbage, sweet potatoes, sugar cane and beans. Their fruits were primarily from wild growing trees such as coconut, banana, mango and papaya. Sah's father hand dug ponds to stock with fish to feed his family. According to Sah, even though most families tried to take care of themselves, the United Nations Refugee Agency (UNHCR) was there to provide the basic necessities such as food, clothing and medicine to those who needed it. As a child and young adult, Sah Lay Lay Wah was able to attend school completing classes comparable to our high school level curriculum. Sah chose to continue her education in the Further Study Program offered by the government, which taught her English and offered additional course work in social studies, science, mathematics and reading and writing. Today, she speaks and translates three languages: Karen, Burmese and English. Finding employment in Mae La was difficult, but Sah Lay Lay Wah was able to find work as she watched the camp become more and more crowded with refugees searching for a safe haven from the fighting and political scrutiny. Soon there was talk of the opportunity to leave Thailand and relocate to the United States. Sah applied immediately but then waited for an entire year before she and her family were accepted into a relocation camp in Nebraska. At the age of 23, Sah Lay Lay Wah left her home for the first time, as well as the confines of the refugee camp, and began her trek to the United States. Sah traveled from Mae La to Bangkok and then to Korea. New York City is where she remembers spending her first night on U.S. soil. With her husband, Blue Nay Htoo, and their 8-month-old baby girl, Sar Nay Wah, the journey ended the next day as Sah made a stop in Chicago and then was reunited with her parents who had settled previously in Lincoln, Neb. Her travels took a total of 2-3 days, but the changes she had just begun to experience will no doubt take a lifetime to grasp. She professed, "I never dreamed I would ever come to the United States, but here I am!" With opportunities available and dreams to be followed, the first task at hand was to find a job. Sah's husband, Blue, heard there was work and a place to raise his family in a town called Huron in South Dakota. Sah admitted that she was worried about being able to leave the house and walk around by herself , but she doesn't have that concern here. "I feel safe in Huron," she commented. Since arriving in Huron, Blue has secured employment with Dakota Provisions and Sah has joined the staff at Dakotaland Federal Credit Union. She translates and interprets for many of her fellow Karen, who have opened accounts, purchased cars or bought homes through the credit union. Sah and her husband have recently been approved to buy their first home. "I am excited for my family to own a house since we were not able to own property when we lived in Thailand," stated Sah. Like many of the Karen people , Sah Lay Lay Wah wants to become a citizen of this country and is willing to work for that privilege. She is currently studying for her GED and will be taking the classes needed to obtain her citizenship. Sah concluded by saying, "My education and freedom are important to me because I know that not everyone in Thailand will be given the chances I have here." PERSONAL NOTES: My time with Sah Lay Lay Wah has served as a much needed reminder of how lucky I am to be born an American. As I get up each morning, taking for granted that which I have inherited and have come to believe is my God given right, others are denied and persecuted, based on the flag under which they were born. I may worry about the rising cost of health care, but I don't fear the burning of my home or the slaughter of my children. How quickly we forget that nearly all of us are descendants of non-English speaking immigrants who once braved poverty, famine, religious persecution and war to board a ship, and who were welcomed by the Statue of Liberty with these kind and gentle words by Emma Lazarus: "Give me your tired, your poor, your huddled masses yearning to breathe free, the wretched refuse of your teeming shore. Send these, the homeless, tempest-tost to me, I lift my lamp beside the golden door!" With 100 years passed, and the homesteads of our ancestors standing proud as a reminder, we can rest assured the American dream does live on especially here in Huron, South Dakota. Dawn Mutchelknaus is vice president of marketing at Dakotaland Federal Credit Union.

Huron, South Dakota - July 27, 2010 Dakotaland Federal Credit Union announces the return of Dawn Mutchelknaus as Vice President of Marketing. "Dawn brings a lot of determination and enthusiasm to this organization and she will be instrumental in the continued success of the credit union. We are fortunate to employ Dawn in the same position she held previously, allowing her to hit the ground running.", stated Credit Union President, Dan Cumbee. Dawn will be stationed out of the main office at 1371 Dakota Avenue in Huron, but will be extending her expertise to all the Dakotaland branch locations. "It has been a wonderful homecoming to be back in Huron. Having the opportunity to rejoin Dakotaland and serve it's members is a privilege.", commented Mutchelknaus. Dawn has been a part of the Huron Community since 1985 and has recently returned after a nearly six year venture in the western Rockie Mountains of Colorado. Ms. Mutchelknaus attended Huron College/University obtaining Bachelor of Science degrees in Communications/Public Relations and Business Administration. She also holds a Masters Degree from Huron University. Dawn's career includes work in the areas of Human Resources, Marketing and Risk Management with local employers such as Trussbilt, Northwestern, USDA Rural Development and Siouxland Staffing. Mutchelknaus is an owner of Frontier Partners, Inc. and Ridin' for the Brand, LLC. Dawn and her husband, Scott have a seven-year old son, Jayden and they reside at Holforty's Corner north of Wolsey. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings and Woonsocket. With 20,500 members and $146 million in assets, Dakotaland continues to be locally owned and operated offering a full-line of services to its membership since 1935.

Huron, South Dakota - July 18, 2010 Dakotaland Federal Credit Union is excited to announce the addition of Tom Gietzen to their Commercial Lending Department. Gietzen, a 31 year veteran of business lending, will focus on the continued growth of Dakotaland Federal Credit Union's commercial services. Dan Cumbee, President of Dakotaland, welcomes Tom to its Lending Team. "Tom's long term lending career will be very beneficial to our community as he joins the existing Dakotaland Federal Credit Union staff in providing excellent service to our members. The newly created position will also allow Dakotaland to expand into a larger market area. Tom's highly regarded lending skills will be a great fit for Dakotaland and its members", stated Cumbee. Mr. Gietzen has taken residence at the main office located at 1371 Dakota Avenue in Huron, but will be extending his expertise to all the Dakotaland branch locations, including Woonsocket. "I am very enthusiastic about the new position and career at Dakotaland Federal Credit Union", commented Tom. Tom grew up in Bismark, North Dakota. He attended college in Grand Forks, North Dakota graduating from the University of North Dakota with a Bachelor of Science degree in Business Administration. He started his banking career in 1979 in Bismark. Tom first held the position of credit analyst, but quickly moved into a commercial loan officer position and has been involved in commercial lending ever since. He moved his family to Huron in December of 1989. Tom has two wonderful children, Benjamin and Kristin. Gietzen has been very active in the Huron community and currently serves as a board member on the Community Development Foundation, Cornerstones Career Learning Center, James Valley Housing Corporation, Jan Manolis Family Safe Center, Huron Community Foundation, Downtown Beautification Committee, and in the recent past on the Greater Huron Development Corporation. He is a member of Holy Trinity Catholic Church and enjoys the great hunting and fishing in South Dakota. Dakotaland Federal Credit Union is a member-owned, not-for-profit financial cooperative with locations in Huron, Volga, Brookings, and Woonsocket. With 20,500 members and $146 million in assets, Dakotaland continues to be locally owned and operated, offering a full-line of services to its membership since 1935.