Black Hills Federal Credit Union

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CURRENT TOP RATE

84 to 96-Month Ultimate CD

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.25%	Checking	1.01% - nbkc bank Personal Account
3.35%	6+ Year CD	2.32% - National Average
3.20%	5-year CD	3.00% - Goldman Sachs Bank USA High-yield 5 Year CD

View all Black Hills Federal Credit Union rates »

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 234^th largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 325 employees and 66,977 members at 16 locations. Black Hills Federal Credit Union's CD rates are 3X 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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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 2018

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Health Grade Components

Overall
NCUA #	4365
Year Chartered	1941
Employees	325
Primary Regulator

Profit Margin
Return on Assets - YTD	0.48%
Return on Equity - YTD	4.3%
Annual Interest Income	$43.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$1.30B$1.22B
Loans	Q4 2018vs Q4 2017	$835.9MM$780.8MM
Deposits	Q4 2018vs Q4 2017	$1.14B$1.07B
Equity Capital	Q4 2018vs Q4 2017	$144.3MM$139.8MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$2.6MM$2.7MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$4.4MM$5.5MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$194.00K

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
1.70%	$100	-	IRA Share Account
1.70%	$100	-	HSA Share Account
0.35%	$25	-	Regular Share Savings Account
0.35%	$25	-	Money Mammals Share Savings Club
0.35%	$25	-	VIBZ! Share Savings
0.35%	$25	-	Regular Business Savings
0.35%	$25	-	Business Special Savings
0.25%	$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 \| 0.35% → $2.5k - $5k \| 0.55% → $5k - $25k \| 0.75% → $25k - $50k \| 0.85% → $50k - $90k
1.00%^*	$90k^*	-	Business Premier High-Yield Money Market Account
OTHER TIERS: 0.35% → $2.5k - $5k \| 0.55% → $5k - $25k \| 0.75% → $25k - $50k \| 0.85% → $50k - $90k
0.75%^*	$90k^*	-	Money Market InvestAccount
OTHER TIERS: 0.35% → Up to $5k \| 0.45% → $5k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $90k
0.75%^*	$90k^*	-	Business Money Market InvestAccount
OTHER TIERS: 0.35% → Up to $5k \| 0.45% → $5k - $25k \| 0.50% → $25k - $50k \| 0.60% → $50k - $90k

Black Hills Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$1.5k	-	Ultimate Checking
0.25%	$1.5k	-	Ultimate Business Checking Account

Black Hills Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.46%^*	$200k^*	-	84 to 96-Month Ultimate CD
OTHER TIERS: 3.35% → $25k - $100k \| 3.41% → $100k - $200k
3.46%^*	$200k^*	-	84 to 96-Month Ultimate HSA
OTHER TIERS: 3.35% → $25k - $100k \| 3.41% → $100k - $200k
3.35%^*	$200k^*	-	84 to 96-Month CD
OTHER TIERS: 3.15% → $500 - $25k \| 3.25% → $25k - $100k \| 3.30% → $100k - $200k
3.35%^*	$200k^*	-	84 to 96-Month Money Mammals Kids Club CD
OTHER TIERS: 3.15% → $100 - $25k \| 3.25% → $25k - $100k \| 3.30% → $100k - $200k
3.35%^*	$200k^*	-	84 to 96-Month VIBZ! Teen Club CD
OTHER TIERS: 3.15% → $100 - $25k \| 3.25% → $25k - $100k \| 3.30% → $100k - $200k
3.35%^*	$200k^*	-	84 to 96-Month HSA
OTHER TIERS: 3.15% → $500 - $25k \| 3.25% → $25k - $100k \| 3.30% → $100k - $200k
3.30%^*	$200k^*	-	60 to 72-Month Ultimate CD
OTHER TIERS: 3.20% → $25k - $100k \| 3.25% → $100k - $200k
3.30%^*	$200k^*	-	60 to 72-Month Ultimate HSA
OTHER TIERS: 3.20% → $25k - $100k \| 3.25% → $100k - $200k
3.20%^*	$200k^*	-	60 to 72-Month CD
OTHER TIERS: 3.00% → $500 - $25k \| 3.10% → $25k - $100k \| 3.15% → $100k - $200k
3.20%^*	$200k^*	-	60 to 72-Month VIBZ! Teen Club CD
OTHER TIERS: 3.00% → $100 - $25k \| 3.10% → $25k - $100k \| 3.15% → $100k - $200k
3.20%^*	$200k^*	-	60 to 72-Month Money Mammals Kids Club CD
OTHER TIERS: 3.00% → $100 - $25k \| 3.10% → $25k - $100k \| 3.15% → $100k - $200k
3.20%^*	$200k^*	-	60 to 72-Month HSA
OTHER TIERS: 3.00% → $500 - $25k \| 3.10% → $25k - $100k \| 3.15% → $100k - $200k
2.95%^*	$200k^*	-	14 Month Ultimate CD Special
OTHER TIERS: 2.85% → $25k - $100k \| 2.90% → $100k - $200k
2.95%^*	$200k^*	-	14 Month Ultimate HSA Special
OTHER TIERS: 2.85% → $25k - $100k \| 2.90% → $100k - $200k
2.90%^*	$200k^*	-	48-Month Ultimate CD
OTHER TIERS: 2.80% → $25k - $100k \| 2.85% → $100k - $200k
2.90%^*	$200k^*	-	48-Month Ultimate HSA
OTHER TIERS: 2.80% → $25k - $100k \| 2.85% → $100k - $200k
2.85%^*	$200k^*	-	14 Month CD Special
OTHER TIERS: 2.65% → $500 - $25k \| 2.75% → $25k - $100k \| 2.80% → $100k - $200k
2.85%^*	$200k^*	-	14 Month HSA Special
OTHER TIERS: 2.65% → $500 - $25k \| 2.75% → $25k - $100k \| 2.80% → $100k - $200k
2.85%^*	$200k^*	-	14-Month Money Mammals Kids Club CD Special
OTHER TIERS: 2.65% → $100 - $25k \| 2.75% → $25k - $100k \| 2.80% → $100k - $200k
2.85%^*	$200k^*	-	14-Month VIBZ! Teen Club CD Special
OTHER TIERS: 2.65% → $100 - $25k \| 2.75% → $25k - $100k \| 2.80% → $100k - $200k
2.80%^*	$200k^*	-	48-Month CD
OTHER TIERS: 2.60% → $500 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	48-Month VIBZ! Teen Club CD
OTHER TIERS: 2.60% → $100 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	48-Month Money Mammals Kids Club CD
OTHER TIERS: 2.60% → $100 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	24-Month Ultimate CD
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate CD
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	36-Month Ultimate CD
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	48-Month HSA
OTHER TIERS: 2.60% → $500 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate HSA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	36-Month Ultimate HSA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	24-Month Ultimate HSA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	48-Month Money Mammals Kids Club HSA
OTHER TIERS: 2.60% → $100 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	48-Month VIBZ! Teen Club HSA
OTHER TIERS: 2.60% → $100 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate CD Bump-a-Rate
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate HSA Bump-a-Rate
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.71%^*	$200k^*	-	18-Month Ultimate CD
OTHER TIERS: 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.71%^*	$200k^*	-	18-Month Ultimate HSA
OTHER TIERS: 2.60% → $25k - $100k \| 2.65% → $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^*	-	30-Month CD
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	36-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^*	-	30-Month VIBZ! Teen Club CD
OTHER TIERS: 2.50% → $100 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	36-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^*	-	30-Month Money Mammals Kids Club CD
OTHER TIERS: 2.50% → $100 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	36-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
2.70%^*	$200k^*	-	30-Month HSA
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	36-Month HSA
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	30-Month HSA Bump-a-Rate
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	30-Month Money Mammals Kids Club CD Bump-a-Rate
OTHER TIERS: 2.50% → $100 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	30-Month VIBZ! Teen Club CD Bump-a-Rate
OTHER TIERS: 2.50% → $100 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.60%^*	$200k^*	-	18-Month VIBZ! Teen Club CD
OTHER TIERS: 2.40% → $100 - $25k \| 2.50% → $25k - $100k \| 2.55% → $100k - $200k
2.60%^*	$200k^*	-	18-Month Money Mammals Kids Club CD
OTHER TIERS: 2.40% → $100 - $25k \| 2.50% → $25k - $100k \| 2.55% → $100k - $200k
2.60%^*	$200k^*	-	18-Month CD
OTHER TIERS: 2.40% → $500 - $25k \| 2.50% → $25k - $100k \| 2.55% → $100k - $200k
2.60%^*	$200k^*	-	18-Month HSA
OTHER TIERS: 2.40% → $500 - $25k \| 2.50% → $25k - $100k \| 2.55% → $100k - $200k
2.55%^*	$200k^*	-	12-Month Ultimate CD
OTHER TIERS: 2.45% → $25k - $100k \| 2.50% → $100k - $200k
2.55%^*	$200k^*	-	12-Month Ultimate HSA
OTHER TIERS: 2.45% → $25k - $100k \| 2.50% → $100k - $200k
2.45%^*	$200k^*	-	12-Month CD
OTHER TIERS: 2.25% → $500 - $25k \| 2.35% → $25k - $100k \| 2.40% → $100k - $200k
2.45%^*	$200k^*	-	12-Month VIBZ! Teen Club CD
OTHER TIERS: 2.25% → $100 - $25k \| 2.35% → $25k - $100k \| 2.40% → $100k - $200k
2.45%^*	$200k^*	-	12-Month Money Mammals Kids Club CD
OTHER TIERS: 2.25% → $100 - $25k \| 2.35% → $25k - $100k \| 2.40% → $100k - $200k
2.45%^*	$200k^*	-	12-Month HSA
OTHER TIERS: 2.25% → $500 - $25k \| 2.35% → $25k - $100k \| 2.40% → $100k - $200k
2.00%^*	$25k^*	-	9-Month CD
OTHER TIERS: 1.90% → $100 - $25k
2.00%^*	$25k^*	-	9-Month VIBZ! Teen Club CD
OTHER TIERS: 1.90% → $100 - $25k
2.00%^*	$25k^*	-	9-Month Money Mammals Kids Club CD
OTHER TIERS: 1.90% → $100 - $25k
2.00%^*	$25k^*	-	9-Month HSA
OTHER TIERS: 1.90% → $500 - $25k
1.65%^*	$25k^*	-	6-Month CD
OTHER TIERS: 1.55% → $100 - $25k
1.65%^*	$25k^*	-	6-Month VIBZ! Teen Club CD
OTHER TIERS: 1.55% → $100 - $25k
1.65%^*	$25k^*	-	6-Month Money Mammals Kids Club CD
OTHER TIERS: 1.55% → $100 - $25k
1.65%^*	$25k^*	-	6-Month HSA
OTHER TIERS: 1.55% → $500 - $25k
1.20%^*	$25k^*	-	3-Month CD
OTHER TIERS: 1.10% → $100 - $25k
1.20%^*	$25k^*	-	3-Month VIBZ! Teen Club CD
OTHER TIERS: 1.10% → $100 - $25k
1.20%^*	$25k^*	-	3-Month Money Mammals Kids Club CD
OTHER TIERS: 1.10% → $100 - $25k
1.20%^*	$25k^*	-	3-Month HSA
OTHER TIERS: 1.10% → $500 - $25k

Black Hills Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.46%^*	$200k^*	-	84 to 96-Month Ultimate IRA
OTHER TIERS: 3.35% → $25k - $100k \| 3.41% → $100k - $200k
3.35%^*	$200k^*	-	84 to 96-Month IRA
OTHER TIERS: 3.15% → $500 - $25k \| 3.25% → $25k - $100k \| 3.30% → $100k - $200k
3.30%^*	$200k^*	-	60 to 72-Month Ultimate IRA
OTHER TIERS: 3.20% → $25k - $100k \| 3.25% → $100k - $200k
3.20%^*	$200k^*	-	60 to 72-Month IRA
OTHER TIERS: 3.00% → $500 - $25k \| 3.10% → $25k - $100k \| 3.15% → $100k - $200k
2.95%^*	$200k^*	-	14 Month Ultimate IRA Special
OTHER TIERS: 2.85% → $25k - $100k \| 2.90% → $100k - $200k
2.90%^*	$200k^*	-	48-Month Ultimate IRA
OTHER TIERS: 2.70% → $25k - $100k \| 2.85% → $100k - $200k
2.85%^*	$200k^*	-	14 Month IRA Special
OTHER TIERS: 2.65% → $500 - $25k \| 2.75% → $25k - $100k \| 2.80% → $100k - $200k
2.80%^*	$200k^*	-	24-Month Ultimate IRA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate IRA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	36-Month Ultimate IRA
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.80%^*	$200k^*	-	48-Month IRA
OTHER TIERS: 2.60% → $500 - $25k \| 2.70% → $25k - $100k \| 2.75% → $100k - $200k
2.80%^*	$200k^*	-	30-Month Ultimate IRA Bump-a-Rate
OTHER TIERS: 2.71% → $25k - $100k \| 2.76% → $100k - $200k
2.71%^*	$200k^*	-	18-Month Ultimate IRA
OTHER TIERS: 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	24-Month IRA
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	30-Month IRA
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	36-Month IRA
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.70%^*	$200k^*	-	30-Month IRA Bump-a-Rate
OTHER TIERS: 2.50% → $500 - $25k \| 2.60% → $25k - $100k \| 2.65% → $100k - $200k
2.60%^*	$200k^*	-	18-Month IRA
OTHER TIERS: 2.40% → $500 - $25k \| 2.50% → $25k - $100k \| 2.55% → $100k - $200k
2.55%^*	$200k^*	-	12-Month Ultimate IRA
OTHER TIERS: 2.45% → $25k - $100k \| 2.50% → $100k - $200k
2.45%^*	$200k^*	-	12-Month IRA
OTHER TIERS: 2.25% → $500 - $25k \| 2.35% → $25k - $100k \| 2.40% → $100k - $200k
2.00%^*	$25k^*	-	9-Month IRA
OTHER TIERS: 1.90% → $500 - $25k
1.65%^*	$25k^*	-	6-Month IRA
OTHER TIERS: 1.55% → $500 - $25k
1.20%^*	$25k^*	-	3-Month IRA
OTHER TIERS: 1.10% → $500 - $25k

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Rapid City Area

Rapid City Area bank & credit union details

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