Overview / Commentary
800-482-2428
2700 N Plaza Dr
Rapid City, SD 57702-9303

Black Hills Federal Credit Union is headquartered in Rapid City and is the largest credit union in the state of South Dakota. It is also the 238th largest credit union in the nation. It was established in 1941 and as of June of 2018, it had grown to 313 employees and 66,632 members at 16 locations. Black Hills Federal Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Black Hills Federal Credit Union is open to those who live, work, worship, volunteer, or attend school, and businesses or other legal entities in Pennington, Buffalo, Butte, Custer, Dewey, Fall River, Haakon, Hughes, Hyde, Jerauld, Lawrence, Lincoln, Meade, McCook, Miner, Sanborn, Stanley, Sully, Turner, or Ziebach Counties in South Dakota.
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Health

Health Grade Components

Overall
NCUA #4365
Year Chartered1941
Employees313
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD4.99%
Annual Interest Income$20.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.24B$1.18B
LoansQ2 2018vs Q2 2017$820.5MM$747.1MM
DepositsQ2 2018vs Q2 2017$1.09B$1.03B
Equity CapitalQ2 2018vs Q2 2017$141.2MM$136.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.2MM$2.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$5.3MM$2.6MM
Real Estate OwnedQ2 2018vs Q2 2017$0$238.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Black Hills Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Black Hills Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$100-IRA Share Account
1.55%$100-HSA Share Account
0.30%$25-Regular Share Savings Account
0.30%$25-Money Mammals Share Savings Club
0.30%$25-VIBZ! Share Savings
0.30%$25-Regular Business Savings
0.30%$25-Business Special Savings
0.20%$1.5k-HSA Ultimate Checking

Black Hills Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$90k*-Premier High-Yield Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.30% $2.5k - $5k | 0.50% $5k - $25k | 0.75% $25k - $50k | 0.85% $50k - $90k
1.00%*$90k*-Business Premier High-Yield Money Market Account
OTHER TIERS: 0.30% $2.5k - $5k | 0.50% $5k - $25k | 0.75% $25k - $50k | 0.85% $50k - $90k
0.70%*$90k*-Money Market InvestAccount
OTHER TIERS: 0.30% Up to $5k | 0.40% $5k - $25k | 0.45% $25k - $50k | 0.55% $50k - $90k
0.70%*$90k*-Business Money Market InvestAccount
OTHER TIERS: 0.30% Up to $5k | 0.40% $5k - $25k | 0.45% $25k - $50k | 0.55% $50k - $90k

Black Hills Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$1.5k-Ultimate Checking
0.20%$1.5k-Ultimate Business Checking Account

Black Hills Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.45%*$200k*-7 to 8-Year Ultimate CD
OTHER TIERS: 3.35% $25k - $100k | 3.40% $100k - $200k
3.45%*$200k*-7 to 8-Year Ultimate HSA
OTHER TIERS: 3.35% $25k - $100k | 3.40% $100k - $200k
3.35%*$200k*-7 to 8-Year CD
OTHER TIERS: 3.00% $500 - $25k | 3.25% $25k - $100k | 3.30% $100k - $200k
3.35%*$200k*-7 to 8-Year Money Mammals Kids Club CD
OTHER TIERS: 3.00% $100 - $25k | 3.25% $25k - $100k | 3.30% $100k - $200k
3.35%*$200k*-7 to 8-Year VIBZ! Teen Club CD
OTHER TIERS: 3.00% $100 - $25k | 3.25% $25k - $100k | 3.30% $100k - $200k
3.35%*$200k*-7 to 8-Year HSA
OTHER TIERS: 3.00% $500 - $25k | 3.25% $25k - $100k | 3.30% $100k - $200k
3.05%*$200k*-5 to 6-Year Ultimate CD
OTHER TIERS: 2.95% $25k - $100k | 3.00% $100k - $200k
3.05%*$200k*-5 to 6-Year Ultimate HSA
OTHER TIERS: 2.95% $25k - $100k | 3.00% $100k - $200k
2.95%*$200k*-5 to 6-Year CD
OTHER TIERS: 2.75% $500 - $25k | 2.85% $25k - $100k | 2.90% $100k - $200k
2.95%*$200k*-5 to 6-Year VIBZ! Teen Club CD
OTHER TIERS: 2.75% $100 - $25k | 2.85% $25k - $100k | 2.90% $100k - $200k
2.95%*$200k*-5 to 6-Year Money Mammals Kids Club CD
OTHER TIERS: 2.75% $100 - $25k | 2.85% $25k - $100k | 2.90% $100k - $200k
2.95%*$200k*-5 to 6-Year HSA
OTHER TIERS: 2.75% $500 - $25k | 2.85% $25k - $100k | 2.90% $100k - $200k
2.80%*$200k*-24-Month Ultimate CD
OTHER TIERS: 2.70% $25k - $100k | 2.75% $100k - $200k
2.80%*$200k*-24-Month Ultimate HSA
OTHER TIERS: 2.70% $25k - $100k | 2.75% $100k - $200k
2.75%*$200k*-48-Month Ultimate CD
OTHER TIERS: 2.65% $25k - $100k | 2.70% $100k - $200k
2.75%*$200k*-48-Month Ultimate HSA
OTHER TIERS: 2.65% $25k - $100k | 2.70% $100k - $200k
2.70%*$200k*-24-Month CD
OTHER TIERS: 2.50% $500 - $25k | 2.60% $25k - $100k | 2.65% $100k - $200k
2.70%*$200k*-24-Month VIBZ! Teen Club CD
OTHER TIERS: 2.50% $100 - $25k | 2.60% $25k - $100k | 2.65% $100k - $200k
2.70%*$200k*-24-Month Money Mammals Kids Club CD
OTHER TIERS: 2.50% $100 - $25k | 2.60% $25k - $100k | 2.65% $100k - $200k
2.70%*$200k*-24-Month HSA
OTHER TIERS: 2.50% $500 - $25k | 2.60% $25k - $100k | 2.65% $100k - $200k
2.65%*$200k*-48-Month CD
OTHER TIERS: 2.45% $500 - $25k | 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-48-Month VIBZ! Teen Club CD
OTHER TIERS: 2.45% $100 - $25k | 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-48-Month Money Mammals Kids Club CD
OTHER TIERS: 2.45% $100 - $25k | 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-36-Month Ultimate CD
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-48-Month HSA
OTHER TIERS: 2.45% $500 - $25k | 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-36-Month Ultimate HSA
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-14 Month Ultimate CD Special
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-14 Month Ultimate HSA Special
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.55%*$200k*-36-Month CD
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month VIBZ! Teen Club CD
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month Money Mammals Kids Club CD
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-30-Month Ultimate CD
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month HSA
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-30-Month Ultimate HSA
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-14 Month CD Special
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-14 Month HSA Special
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-14-Month Money Mammals Kids Club CD Special
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-14-Month VIBZ! Teen Club CD Special
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.45%*$200k*-30-Month CD
OTHER TIERS: 2.25% $500 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month VIBZ! Teen Club CD
OTHER TIERS: 2.25% $100 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Money Mammals Kids Club CD
OTHER TIERS: 2.25% $100 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month HSA
OTHER TIERS: 2.25% $500 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.05%*$200k*-18-Month Ultimate CD
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
2.05%*$200k*-12-Month Ultimate CD
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
2.05%*$200k*-12-Month Ultimate HSA
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
2.05%*$200k*-18-Month Ultimate HSA
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
1.95%*$200k*-12-Month CD
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-12-Month VIBZ! Teen Club CD
OTHER TIERS: 1.75% $100 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-18-Month VIBZ! Teen Club CD
OTHER TIERS: 1.75% $100 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-12-Month Money Mammals Kids Club CD
OTHER TIERS: 1.75% $100 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-18-Month Money Mammals Kids Club CD
OTHER TIERS: 1.75% $100 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-18-Month CD
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-18-Month HSA
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-12-Month HSA
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.50%*$25k*-9-Month CD
OTHER TIERS: 1.40% $500 - $25k
1.50%*$25k*-9-Month VIBZ! Teen Club CD
OTHER TIERS: 1.40% $100 - $25k
1.50%*$25k*-9-Month Money Mammals Kids Club CD
OTHER TIERS: 1.40% $100 - $25k
1.50%*$25k*-9-Month HSA
OTHER TIERS: 1.40% $500 - $25k
1.35%*$25k*-6-Month CD
OTHER TIERS: 1.25% $500 - $25k
1.35%*$25k*-6-Month VIBZ! Teen Club CD
OTHER TIERS: 1.25% $100 - $25k
1.35%*$25k*-6-Month Money Mammals Kids Club CD
OTHER TIERS: 1.25% $100 - $25k
1.35%*$25k*-6-Month HSA
OTHER TIERS: 1.25% $500 - $25k
0.90%*$25k*-3-Month CD
OTHER TIERS: 0.80% $500 - $25k
0.90%*$25k*-3-Month VIBZ! Teen Club CD
OTHER TIERS: 0.80% $100 - $25k
0.90%*$25k*-3-Month Money Mammals Kids Club CD
OTHER TIERS: 0.80% $100 - $25k
0.90%*$25k*-3-Month HSA
OTHER TIERS: 0.80% $500 - $25k

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.45%*$200k*-7 to 8-Year Ultimate IRA
OTHER TIERS: 3.35% $25k - $100k | 3.40% $100k - $200k
3.35%*$200k*-7 to 8-Year IRA
OTHER TIERS: 3.00% $500 - $25k | 3.25% $25k - $100k | 3.30% $100k - $200k
3.05%*$200k*-5 to 6-Year Ultimate IRA
OTHER TIERS: 2.95% $25k - $100k | 3.00% $100k - $200k
2.95%*$200k*-5 to 6-Year IRA
OTHER TIERS: 2.75% $500 - $25k | 2.85% $25k - $100k | 2.90% $100k - $200k
2.80%*$200k*-24-Month Ultimate IRA
OTHER TIERS: 2.70% $25k - $100k | 2.75% $100k - $200k
2.75%*$200k*-48-Month Ultimate IRA
OTHER TIERS: 2.65% $25k - $100k | 2.70% $100k - $200k
2.70%*$200k*-24-Month IRA
OTHER TIERS: 2.50% $500 - $25k | 2.60% $25k - $100k | 2.65% $100k - $200k
2.65%*$200k*-36-Month Ultimate IRA
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-48-Month IRA
OTHER TIERS: 2.45% $500 - $25k | 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-14 Month Ultimate IRA Special
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.55%*$200k*-30-Month Ultimate IRA
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month IRA
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-14 Month IRA Special
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.45%*$200k*-30-Month IRA
OTHER TIERS: 2.25% $500 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.05%*$200k*-12-Month Ultimate IRA
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
2.05%*$200k*-18-Month Ultimate IRA
OTHER TIERS: 1.95% $25k - $100k | 2.00% $100k - $200k
1.95%*$200k*-12-Month IRA
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.95%*$200k*-18-Month IRA
OTHER TIERS: 1.75% $500 - $25k | 1.85% $25k - $100k | 1.90% $100k - $200k
1.50%*$25k*-9-Month IRA
OTHER TIERS: 1.40% $500 - $25k
1.35%*$25k*-6-Month IRA
OTHER TIERS: 1.25% $500 - $25k
0.90%*$25k*-3-Month IRA
OTHER TIERS: 0.80% $500 - $25k
Locations

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