Black Hills Federal Credit Union


Overview / Commentary
605-718-1818
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 233rd largest credit union in the nation. It was established in 1941 and as of June of 2019, it had grown to 329 employees and 68,264 members at 16 locations. Black Hills Federal Credit Union's CD rates are 2X the national average, and it boasts 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
A+

Health Grade Components

Overall
NCUA #4365
Year Chartered1941
Employees329
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD7.82%
Annual Interest Income$24.4MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.35B$1.24B
LoansQ2 2019vs Q2 2018$880.8MM$820.5MM
DepositsQ2 2019vs Q2 2018$1.18B$1.09B
Equity CapitalQ2 2019vs Q2 2018$153.6MM$141.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$3.3MM$3.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$3.6MM$5.3MM
Real Estate OwnedQ2 2019vs Q2 2018$0$0
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
1.50%$100-IRA Share Account
1.50%$100-HSA Share Account
0.25%$25-Regular Share Savings Account
0.25%$25-Money Mammals Share Savings Club
0.25%$25-VIBZ! Share Savings
0.25%$25-Regular Business Savings
0.25%$25-Business Special Savings
0.15%$1.5k-HSA Ultimate Checking

Black Hills Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$90k*-Premier High-Yield Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.75% $50k - $90k
0.85%*$90k*-Business Premier High-Yield Money Market Account
OTHER TIERS: 0.25% $2.5k - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.75% $50k - $90k
0.65%*$90k*-Money Market InvestAccount
OTHER TIERS: 0.25% Up to $5k | 0.35% $5k - $25k | 0.40% $25k - $50k | 0.50% $50k - $90k
0.65%*$90k*-Business Money Market InvestAccount
OTHER TIERS: 0.25% Up to $5k | 0.35% $5k - $25k | 0.40% $25k - $50k | 0.50% $50k - $90k

Black Hills Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$1.5k-Ultimate Business Checking Account
0.15%$1.5k-Ultimate Checking

Black Hills Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%*$200k*-84 to 96-Month Ultimate CD
OTHER TIERS: 3.06% $25k - $100k | 3.11% $100k - $200k
3.15%*$200k*-84 to 96-Month Ultimate HSA
OTHER TIERS: 3.06% $25k - $100k | 3.11% $100k - $200k
3.05%*$200k*-84 to 96-Month CD
OTHER TIERS: 2.85% $500 - $25k | 2.95% $25k - $100k | 3.00% $100k - $200k
3.05%*$200k*-84 to 96-Month Money Mammals Kids Club CD
OTHER TIERS: 2.85% $100 - $25k | 2.95% $25k - $100k | 3.00% $100k - $200k
3.05%*$200k*-84 to 96-Month VIBZ! Teen Club CD
OTHER TIERS: 2.85% $100 - $25k | 2.95% $25k - $100k | 3.00% $100k - $200k
3.05%*$200k*-84 to 96-Month HSA
OTHER TIERS: 2.85% $500 - $25k | 2.95% $25k - $100k | 3.00% $100k - $200k
2.95%*$200k*-60 to 72-Month Ultimate CD
OTHER TIERS: 2.85% $25k - $100k | 2.90% $100k - $200k
2.95%*$200k*-60 to 72-Month Ultimate HSA
OTHER TIERS: 2.85% $25k - $100k | 2.90% $100k - $200k
2.85%*$200k*-60 to 72-Month CD
OTHER TIERS: 2.65% $500 - $25k | 2.75% $25k - $100k | 2.80% $100k - $200k
2.85%*$200k*-60 to 72-Month VIBZ! Teen Club CD
OTHER TIERS: 2.65% $100 - $25k | 2.75% $25k - $100k | 2.80% $100k - $200k
2.85%*$200k*-60 to 72-Month Money Mammals Kids Club CD
OTHER TIERS: 2.65% $100 - $25k | 2.75% $25k - $100k | 2.80% $100k - $200k
2.85%*$200k*-60 to 72-Month HSA
OTHER TIERS: 2.65% $500 - $25k | 2.75% $25k - $100k | 2.80% $100k - $200k
2.65%*$200k*-48-Month Ultimate CD
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.65%*$200k*-48-Month Ultimate HSA
OTHER TIERS: 2.55% $25k - $100k | 2.60% $100k - $200k
2.55%*$200k*-48-Month CD
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-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: 2.25% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-Month Money Mammals Kids Club CD
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month Ultimate CD
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-Month HSA
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-36-Month Ultimate HSA
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-Month Money Mammals Kids Club HSA
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-Month VIBZ! Teen Club HSA
OTHER TIERS: 2.35% $100 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.45%*$200k*-36-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: 2.15% $100 - $25k | 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-36-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: 2.15% $100 - $25k | 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Ultimate CD
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-36-Month HSA
OTHER TIERS: 2.25% $500 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Ultimate HSA
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Money Mammals Kids Club CD Bump-a-Rate
OTHER TIERS: 2.15% $100 - $25k | 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Ultimate CD Bump-a-Rate
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Ultimate HSA Bump-a-Rate
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month VIBZ! Teen Club CD Bump-a-Rate
OTHER TIERS: 2.15% $100 - $25k | 2.36% $25k - $100k | 2.40% $100k - $200k
2.36%*$200k*-24-Month VIBZ! Teen Club CD
OTHER TIERS: 2.05% $100 - $25k | 2.25% $25k - $100k | 2.31% $100k - $200k
2.36%*$200k*-24-Month Ultimate CD
OTHER TIERS: 2.25% $25k - $100k | 2.31% $100k - $200k
2.36%*$200k*-24-Month Ultimate HSA
OTHER TIERS: 2.25% $25k - $100k | 2.31% $100k - $200k
2.35%*$200k*-30-Month CD
OTHER TIERS: 2.15% $500 - $25k | 2.25% $25k - $100k | 2.30% $100k - $200k
2.35%*$200k*-30-Month HSA
OTHER TIERS: 2.15% $500 - $25k | 2.25% $25k - $100k | 2.30% $100k - $200k
2.35%*$200k*-30-Month HSA Bump-a-Rate
OTHER TIERS: 2.15% $500 - $25k | 2.25% $25k - $100k | 2.30% $100k - $200k
2.31%*$100k*$200k24-Month Money Mammals Kids Club CD
OTHER TIERS: 2.05% $100 - $25k | 2.25% $25k+
2.26%*$200k*-18-Month Ultimate CD
OTHER TIERS: 2.15% $25k - $100k | 2.20% $100k - $200k
2.26%*$200k*-18-Month Ultimate HSA
OTHER TIERS: 2.15% $25k - $100k | 2.20% $100k - $200k
2.25%*$200k*-24-Month CD
OTHER TIERS: 2.05% $500 - $25k | 2.15% $25k - $100k | 2.20% $100k - $200k
2.25%*$200k*-24-Month HSA
OTHER TIERS: 2.05% $500 - $25k | 2.15% $25k - $100k | 2.20% $100k - $200k
2.15%*$200k*-12-Month VIBZ! Teen Club CD
OTHER TIERS: 1.85% $100 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-18-Month VIBZ! Teen Club CD
OTHER TIERS: 1.95% $100 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-12-Month Money Mammals Kids Club CD
OTHER TIERS: 1.85% $100 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-18-Month Money Mammals Kids Club CD
OTHER TIERS: 1.95% $100 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-12-Month Ultimate CD
OTHER TIERS: 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-18-Month CD
OTHER TIERS: 1.95% $500 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-18-Month HSA
OTHER TIERS: 1.95% $500 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-12-Month Ultimate HSA
OTHER TIERS: 2.05% $25k - $100k | 2.10% $100k - $200k
2.05%*$200k*-12-Month CD
OTHER TIERS: 1.85% $500 - $25k | 1.95% $25k - $100k | 2.00% $100k - $200k
2.05%*$200k*-12-Month HSA
OTHER TIERS: 1.85% $500 - $25k | 1.95% $25k - $100k | 2.00% $100k - $200k
1.75%*$25k*-9-Month VIBZ! Teen Club CD
OTHER TIERS: 1.65% $100 - $25k
1.75%*$25k*-9-Month Money Mammals Kids Club CD
OTHER TIERS: 1.65% $100 - $25k
1.75%*$25k*-9-Month HSA
OTHER TIERS: 1.65% $500 - $25k
1.55%*$25k*-6-Month VIBZ! Teen Club CD
OTHER TIERS: 1.45% $100 - $25k
1.55%*$25k*-6-Month Money Mammals Kids Club CD
OTHER TIERS: 1.45% $100 - $25k
1.55%*$25k*-6-Month HSA
OTHER TIERS: 1.45% $500 - $25k
1.10%*$25k*-3-Month VIBZ! Teen Club CD
OTHER TIERS: 1.00% $100 - $25k
1.10%*$25k*-3-Month Money Mammals Kids Club CD
OTHER TIERS: 1.00% $100 - $25k
1.10%*$25k*-3-Month HSA
OTHER TIERS: 1.00% $500 - $25k

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%*$200k*-84 to 96-Month Ultimate IRA
OTHER TIERS: 3.06% $25k - $100k | 3.11% $100k - $200k
3.05%*$200k*-84 to 96-Month IRA
OTHER TIERS: 2.85% $500 - $25k | 2.95% $25k - $100k | 3.00% $100k - $200k
2.95%*$200k*-60 to 72-Month Ultimate IRA
OTHER TIERS: 2.85% $25k - $100k | 2.90% $100k - $200k
2.85%*$200k*-60 to 72-Month IRA
OTHER TIERS: 2.65% $500 - $25k | 2.75% $25k - $100k | 2.80% $100k - $200k
2.65%*$200k*-48-Month Ultimate IRA
OTHER TIERS: 2.45% $25k - $100k | 2.60% $100k - $200k
2.55%*$200k*-36-Month Ultimate IRA
OTHER TIERS: 2.45% $25k - $100k | 2.50% $100k - $200k
2.55%*$200k*-48-Month IRA
OTHER TIERS: 2.35% $500 - $25k | 2.45% $25k - $100k | 2.50% $100k - $200k
2.45%*$200k*-30-Month Ultimate IRA
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-36-Month IRA
OTHER TIERS: 2.25% $500 - $25k | 2.35% $25k - $100k | 2.40% $100k - $200k
2.45%*$200k*-30-Month Ultimate IRA Bump-a-Rate
OTHER TIERS: 2.36% $25k - $100k | 2.40% $100k - $200k
2.36%*$200k*-24-Month Ultimate IRA
OTHER TIERS: 2.25% $25k - $100k | 2.31% $100k - $200k
2.35%*$200k*-30-Month IRA
OTHER TIERS: 2.15% $500 - $25k | 2.25% $25k - $100k | 2.30% $100k - $200k
2.35%*$200k*-30-Month IRA Bump-a-Rate
OTHER TIERS: 2.15% $500 - $25k | 2.25% $25k - $100k | 2.30% $100k - $200k
2.26%*$200k*-18-Month Ultimate IRA
OTHER TIERS: 2.15% $25k - $100k | 2.20% $100k - $200k
2.25%*$200k*-24-Month IRA
OTHER TIERS: 2.05% $500 - $25k | 2.15% $25k - $100k | 2.20% $100k - $200k
2.15%*$200k*-12-Month Ultimate IRA
OTHER TIERS: 2.05% $25k - $100k | 2.10% $100k - $200k
2.15%*$200k*-18-Month IRA
OTHER TIERS: 1.95% $500 - $25k | 2.05% $25k - $100k | 2.10% $100k - $200k
2.05%*$200k*-12-Month IRA
OTHER TIERS: 1.85% $500 - $25k | 1.95% $25k - $100k | 2.00% $100k - $200k
1.75%*$25k*-9-Month IRA
OTHER TIERS: 1.65% $500 - $25k
1.55%*$25k*-6-Month IRA
OTHER TIERS: 1.45% $500 - $25k
1.10%*$25k*-3-Month IRA
OTHER TIERS: 1.00% $500 - $25k
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