Black Hills Federal Credit Union


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 199th largest credit union in the nation. It was established in 1941 and as of September of 2023, it had grown to 395 employees and 97,393 members at 16 locations. Black Hills Federal Credit Union's money market rates are 6X the national average, and it has a B+ 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 the South Dakota counties of Buffalo, Butte, Clay, Custer, Dewey, Fall River, Haakon, Hughes, Hyde, Jerauld, Lawrence, Lincoln, Meade, McCook, Miner, Minnehaha, Pennington, Sanborn, Stanley, Sully, Turner, Union, Yankton, or Ziebach; the Wyoming counties of Campbell, Converse, Crook, Johnson, Laramie, Natrona, Niobrara, Platte, Sheridan, or Weston; or the Montana counties of Big Horn or Yellowstone.
See current membership details

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Health
B+

Health Grade Components

Overall
NCUA #4365
Year Chartered1941
Employees395
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD9.58%
Annual Interest Income$69.8MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.27B$2.07B
LoansQ3 2023vs Q3 2022$1.67B$1.42B
DepositsQ3 2023vs Q3 2022$1.87B$1.79B
Equity CapitalQ3 2023vs Q3 2022$173.4MM$159.1MM
Loan Loss AllowanceQ3 2023vs Q3 2022$8.5MM$6.8MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$10MM$4.3MM
Real Estate OwnedQ3 2023vs Q3 2022$122K$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
0.50%$100-IRA Share Account
0.50%$100-HSA Share Account
0.15%$1.5k-HSA Ultimate Checking
0.05%$25-Regular Share Savings Account
0.05%$25-VIBZ! Share Savings
0.05%$25-VIBZ Kid$
0.05%$25-VIBZ! Teen Club Share Account

Black Hills Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$500k*-Premier High-Yield Money Market Account
OTHER TIERS: 1.00% Up to $10k | 1.25% $10k - $50k | 1.45% $50k - $100k | 1.95% $100k - $250k | 2.50% $250k - $500k
2.75%*$500k*-Business Premier High-Yield Money Market Account
OTHER TIERS: 1.00% Up to $10k | 1.25% $10k - $50k | 1.45% $50k - $100k | 1.95% $100k - $250k | 2.50% $250k - $500k

Black Hills Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$1.5k-Ultimate Checking

Black Hills Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100-3-Month CD
5.00%$100-6-Month CD
5.00%$100-9-Month CD
5.00%$100-3-Month HSA
5.00%$100-6-Month HSA
5.00%$100-9-Month HSA
4.25%$100-12-Month CD
4.25%$100-12-Month HSA
3.75%$100-18-Month CD
3.75%$100-18-Month HSA
3.50%$100-84 to 96-Month CD
3.50%$100-84 to 96-Month HSA
3.25%$100-24-Month CD
3.25%$100-36-Month CD
3.25%$100-48-Month CD
3.25%$100-60 to 72-Month CD
3.25%$100-24-Month HSA
3.25%$100-36-Month HSA
3.25%$100-48-Month HSA
3.25%$100-60 to 72-Month HSA
3.25%$100-30 Month Bump A Rate CD
3.25%$100-30-Month HSA Bump-a-Rate

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$100-3-Month IRA
5.00%$100-6-Month IRA
5.00%$100-9-Month IRA
4.25%$100-12-Month IRA
3.75%$100-18-Month IRA
3.50%$100-84 to 96-Month IRA
3.25%$100-24-Month IRA
3.25%$100-36-Month IRA
3.25%$100-48-Month IRA
3.25%$100-60 to 72-Month IRA
3.25%$100-30-Month IRA Bump-a-Rate
Locations

Availability



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