Black Hills Federal Credit Union

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CURRENT TOP RATE

84 to 96-Month CD

Overview / Commentary

605-718-1818

2700 N Plaza Dr
Rapid City, SD 57702

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 221^st largest credit union in the nation. It was established in 1941 and as of December of 2021, it had grown to 336 employees and 81,466 members at 15 locations. Black Hills Federal Credit Union 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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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 Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #	4365
Year Chartered	1941
Employees	336
Primary Regulator

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	10.7%
Annual Interest Income	$53.7MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$1.95B$1.68B
Loans	Q4 2021vs Q4 2020	$1.17B$1.03B
Deposits	Q4 2021vs Q4 2020	$1.72B$1.49B
Equity Capital	Q4 2021vs Q4 2020	$186.2MM$172.4MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.8MM$5.2MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$2.9MM$3.1MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$71.00K

Rates

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Money Market
Checking
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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
0.15%	$100	-	IRA Share Account
0.15%	$100	-	HSA Share Account
0.05%	$25	-	Regular Share Savings Account
0.05%	$25	-	Money Mammals Share Savings Club
0.05%	$25	-	VIBZ! Share Savings
0.02%	$1.5k	-	HSA Ultimate Checking

Black Hills Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$50k^*	-	Premier High-Yield Money Market Account
OTHER TIERS: 0.05% → Up to $5k \| 0.10% → $5k - $50k
0.15%^*	$50k^*	-	Business Premier High-Yield Money Market Account
OTHER TIERS: 0.05% → $2.5k - $5k \| 0.10% → $5k - $50k
0.10%^*	$50k^*	-	Money Market InvestAccount
OTHER TIERS: 0.05% → Up to $50k
0.10%^*	$50k^*	-	Business Money Market InvestAccount
OTHER TIERS: 0.05% → Up to $50k

Black Hills Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$1.5k	-	Ultimate Checking

Black Hills Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$200k^*	-	84 to 96-Month CD
OTHER TIERS: 0.80% → $500 - $25k \| 0.90% → $25k - $100k \| 0.95% → $100k - $200k
1.00%^*	$200k^*	-	84 to 96-Month Money Mammals Kids Club CD
OTHER TIERS: 0.80% → $100 - $25k \| 0.90% → $25k - $100k \| 0.95% → $100k - $200k
1.00%^*	$200k^*	-	84 to 96-Month VIBZ! Teen Club CD
OTHER TIERS: 0.80% → $100 - $25k \| 0.90% → $25k - $100k \| 0.95% → $100k - $200k
1.00%^*	$200k^*	-	84 to 96-Month HSA
OTHER TIERS: 0.80% → $500 - $25k \| 0.90% → $25k - $100k \| 0.95% → $100k - $200k
0.90%^*	$200k^*	-	60 to 72-Month CD
OTHER TIERS: 0.70% → $500 - $25k \| 0.80% → $25k - $100k \| 0.85% → $100k - $200k
0.90%^*	$200k^*	-	60 to 72-Month VIBZ! Teen Club CD
OTHER TIERS: 0.70% → $100 - $25k \| 0.80% → $25k - $100k \| 0.85% → $100k - $200k
0.90%^*	$200k^*	-	60 to 72-Month Money Mammals Kids Club CD
OTHER TIERS: 0.70% → $100 - $25k \| 0.80% → $25k - $100k \| 0.85% → $100k - $200k
0.90%^*	$200k^*	-	60 to 72-Month HSA
OTHER TIERS: 0.70% → $500 - $25k \| 0.80% → $25k - $100k \| 0.85% → $100k - $200k
0.70%^*	$200k^*	-	48-Month CD
OTHER TIERS: 0.50% → $500 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.70%^*	$200k^*	-	48-Month VIBZ! Teen Club CD
OTHER TIERS: 0.50% → $100 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.70%^*	$200k^*	-	48-Month Money Mammals Kids Club CD
OTHER TIERS: 0.50% → $100 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.70%^*	$200k^*	-	48-Month HSA
OTHER TIERS: 0.50% → $500 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.70%^*	$200k^*	-	48-Month Money Mammals Kids Club HSA
OTHER TIERS: 0.50% → $100 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.70%^*	$200k^*	-	48-Month VIBZ! Teen Club HSA
OTHER TIERS: 0.50% → $100 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.60%^*	$200k^*	-	36-Month CD
OTHER TIERS: 0.40% → $500 - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $200k
0.60%^*	$200k^*	-	36-Month VIBZ! Teen Club CD
OTHER TIERS: 0.40% → $100 - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $200k
0.60%^*	$200k^*	-	36-Month Money Mammals Kids Club CD
OTHER TIERS: 0.40% → $100 - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $200k
0.60%^*	$200k^*	-	36-Month HSA
OTHER TIERS: 0.40% → $500 - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $200k
0.50%^*	$200k^*	-	24-Month CD
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month CD
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	24-Month VIBZ! Teen Club CD
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month VIBZ! Teen Club CD
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	24-Month Money Mammals Kids Club CD
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month Money Mammals Kids Club CD
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	24-Month HSA
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month HSA
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month HSA Bump-a-Rate
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month Money Mammals Kids Club CD Bump-a-Rate
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month VIBZ! Teen Club CD Bump-a-Rate
OTHER TIERS: 0.30% → $100 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.40%^*	$200k^*	-	18-Month VIBZ! Teen Club CD
OTHER TIERS: 0.20% → $100 - $25k \| 0.30% → $25k - $100k \| 0.35% → $100k - $200k
0.40%^*	$200k^*	-	18-Month Money Mammals Kids Club CD
OTHER TIERS: 0.20% → $100 - $25k \| 0.30% → $25k - $100k \| 0.35% → $100k - $200k
0.40%^*	$200k^*	-	18-Month CD
OTHER TIERS: 0.20% → $500 - $25k \| 0.30% → $25k - $100k \| 0.35% → $100k - $200k
0.40%^*	$200k^*	-	18-Month HSA
OTHER TIERS: 0.20% → $500 - $25k \| 0.30% → $25k - $100k \| 0.35% → $100k - $200k
0.35%^*	$200k^*	-	12-Month CD
OTHER TIERS: 0.15% → $500 - $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $200k
0.35%^*	$200k^*	-	12-Month VIBZ! Teen Club CD
OTHER TIERS: 0.15% → $100 - $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $200k
0.35%^*	$200k^*	-	12-Month Money Mammals Kids Club CD
OTHER TIERS: 0.15% → $100 - $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $200k
0.35%^*	$200k^*	-	12-Month HSA
OTHER TIERS: 0.15% → $500 - $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $200k
0.20%^*	$25k^*	-	9-Month CD
OTHER TIERS: 0.10% → $500 - $25k
0.20%^*	$25k^*	-	9-Month VIBZ! Teen Club CD
OTHER TIERS: 0.10% → $100 - $25k
0.20%^*	$25k^*	-	9-Month Money Mammals Kids Club CD
OTHER TIERS: 0.10% → $100 - $25k
0.20%^*	$25k^*	-	9-Month HSA
OTHER TIERS: 0.10% → $500 - $25k
0.15%^*	$25k^*	-	3-Month CD
OTHER TIERS: 0.05% → $500 - $25k
0.15%^*	$25k^*	-	6-Month CD
OTHER TIERS: 0.05% → $500 - $25k
0.15%^*	$25k^*	-	3-Month VIBZ! Teen Club CD
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	6-Month VIBZ! Teen Club CD
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	3-Month Money Mammals Kids Club CD
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	6-Month Money Mammals Kids Club CD
OTHER TIERS: 0.05% → $100 - $25k
0.15%^*	$25k^*	-	3-Month HSA
OTHER TIERS: 0.05% → $500 - $25k
0.15%^*	$25k^*	-	6-Month HSA
OTHER TIERS: 0.05% → $500 - $25k

Black Hills Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%^*	$200k^*	-	84 to 96-Month IRA
OTHER TIERS: 0.80% → $500 - $25k \| 0.90% → $25k - $100k \| 0.95% → $100k - $200k
0.90%^*	$200k^*	-	60 to 72-Month IRA
OTHER TIERS: 0.70% → $500 - $25k \| 0.80% → $25k - $100k \| 0.85% → $100k - $200k
0.70%^*	$200k^*	-	48-Month IRA
OTHER TIERS: 0.50% → $500 - $25k \| 0.60% → $25k - $100k \| 0.65% → $100k - $200k
0.60%^*	$200k^*	-	36-Month IRA
OTHER TIERS: 0.40% → $500 - $25k \| 0.50% → $25k - $100k \| 0.55% → $100k - $200k
0.50%^*	$200k^*	-	24-Month IRA
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month IRA
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.50%^*	$200k^*	-	30-Month IRA Bump-a-Rate
OTHER TIERS: 0.30% → $500 - $25k \| 0.40% → $25k - $100k \| 0.45% → $100k - $200k
0.40%^*	$200k^*	-	18-Month IRA
OTHER TIERS: 0.20% → $500 - $25k \| 0.30% → $25k - $100k \| 0.35% → $100k - $200k
0.35%^*	$200k^*	-	12-Month IRA
OTHER TIERS: 0.15% → $500 - $25k \| 0.25% → $25k - $100k \| 0.30% → $100k - $200k
0.20%^*	$25k^*	-	9-Month IRA
OTHER TIERS: 0.10% → $500 - $25k
0.15%^*	$25k^*	-	3-Month IRA
OTHER TIERS: 0.05% → $500 - $25k
0.15%^*	$25k^*	-	6-Month IRA
OTHER TIERS: 0.05% → $500 - $25k

Locations

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Rapid City Area

Rapid City Area bank & credit union details

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