Black Hills Federal Credit Union

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CURRENT TOP RATE

7 to 8-Year Ultimate CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.20%	Checking	0.90% - nbkc bank Personal Account
3.35%	6+ Year CD	2.19% - National Average
2.95%	5-year CD	3.00% - American Express National Bank 60 Month CD

View all Black Hills Federal Credit Union rates »

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 238^th 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.
See current membership details

Related Posts

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2016
2006

10/12 - Black Hills FCU (SD) Offers Competitive Long-Term CDs

6/12 - 5.86% 31-Month CD at a South Dakota CU

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Health

A

Data as of Q2 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	4365
Year Chartered	1941
Employees	313
Primary Regulator

Profit Margin
Return on Assets - YTD	0.56%
Return on Equity - YTD	4.99%
Annual Interest Income	$20.8MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$1.24B$1.18B
Loans	Q2 2018vs Q2 2017	$820.5MM$747.1MM
Deposits	Q2 2018vs Q2 2017	$1.09B$1.03B
Equity Capital	Q2 2018vs Q2 2017	$141.2MM$136.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$3.2MM$2.4MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$5.3MM$2.6MM
Real Estate Owned	Q2 2018vs Q2 2017	$0$238.00K

Rates

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Money Market
Checking
CD
IRA

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* 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%	$1.5k	-	Ultimate Checking
0.20%	$1.5k	-	Ultimate Business Checking Account

Black Hills Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

APY	MIN	MAX	ACCOUNT NAME	VIEW 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

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Rapid City Area

Rapid City Area bank & credit union details

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