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Black Hills Federal Credit Union


Overview / Commentary
www.bhfcu.com
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 206th largest credit union in the nation. It was established in 1941 and as of June of 2023, it had grown to 386 employees and 94,277 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+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #4365
Year Chartered1941
Employees386
Primary Regulator
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD9.2%
Annual Interest Income$44.6MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$2.23B$1.95B
LoansQ2 2023vs Q2 2022$1.63B$1.30B
DepositsQ2 2023vs Q2 2022$1.79B$1.73B
Equity CapitalQ2 2023vs Q2 2022$173.6MM$167.0MM
Loan Loss AllowanceQ2 2023vs Q2 2022$8.5MM$6.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$7.8MM$5.9MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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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

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

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
5.25%$100-12-Month CD
5.25%$100-12-Month HSA
4.50%$100-3-Month CD
4.50%$100-6-Month CD
4.50%$100-9-Month CD
4.50%$100-3-Month HSA
4.50%$100-6-Month HSA
4.50%$100-9-Month HSA
4.00%$100-24-Month CD
4.00%$100-18-Month CD
4.00%$100-84 to 96-Month CD
4.00%$100-18-Month HSA
4.00%$100-24-Month HSA
4.00%$100-84 to 96-Month HSA
3.75%$100-60 to 72-Month CD
3.75%$100-60 to 72-Month HSA
3.50%$100-36-Month CD
3.50%$100-48-Month CD
3.50%$100-36-Month HSA
3.50%$100-48-Month HSA
3.50%$100-30 Month Bump A Rate CD
3.50%$100-30-Month HSA Bump-a-Rate

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$100-12-Month IRA
4.50%$100-3-Month IRA
4.50%$100-6-Month IRA
4.50%$100-9-Month IRA
4.00%$100-84 to 96-Month IRA
4.00%$100-18-Month IRA
4.00%$100-24-Month IRA
3.75%$100-60 to 72-Month IRA
3.50%$100-36-Month IRA
3.50%$100-48-Month IRA
3.50%$100-30-Month IRA Bump-a-Rate
Locations

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