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 216th largest credit union in the nation. It was established in 1941 and as of September of 2022, it had grown to 351 employees and 86,987 members at 15 locations. Black Hills Federal Credit Union's CD rates are 3X the national average, and it 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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Health

Health Grade Components

Overall
NCUA #4365
Year Chartered1941
Employees351
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD13.51%
Annual Interest Income$47.8MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$2.07B$1.90B
LoansQ3 2022vs Q3 2021$1.42B$1.14B
DepositsQ3 2022vs Q3 2021$1.79B$1.67B
Equity CapitalQ3 2022vs Q3 2021$159.1MM$184.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$6.8MM$5.8MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$4.3MM$2.5MM
Real Estate OwnedQ3 2022vs Q3 2021$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
0.25%$25-Regular Share Savings Account
0.25%$25-VIBZ! Share Savings
0.25%$100-IRA Share Account
0.25%$100-HSA Share Account
0.15%$1.5k-HSA Ultimate Checking

Black Hills Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$100k*-Premier High-Yield Money Market Account
OTHER TIERS: 0.65% Up to $10k | 0.75% $10k - $50k | 0.85% $50k - $100k
0.95%*$100k*-Business Premier High-Yield Money Market Account
OTHER TIERS: 0.65% Up to $10k | 0.75% $10k - $50k | 0.85% $50k - $100k

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
4.00%$100-14 Month CD Special
4.00%$100-14 Month HSA Special
2.75%$100-84 to 96-Month CD
2.75%$100-84 to 96-Month HSA
2.50%$100-60 to 72-Month CD
2.50%$100-60 to 72-Month HSA
2.25%$100-12-Month CD
2.25%$100-24-Month CD
2.25%$100-36-Month CD
2.25%$100-48-Month CD
2.25%$100-18-Month CD
2.25%$100-18-Month HSA
2.25%$100-24-Month HSA
2.25%$100-36-Month HSA
2.25%$100-48-Month HSA
2.25%$100-12-Month HSA
2.25%$100-30 Month Bump A Rate CD
2.25%$100-30-Month HSA Bump-a-Rate
1.50%$100-6-Month CD
1.50%$100-6-Month HSA

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100-14 Month IRA Special
2.75%$100-84 to 96-Month IRA
2.50%$100-60 to 72-Month IRA
2.25%$100-12-Month IRA
2.25%$100-18-Month IRA
2.25%$100-24-Month IRA
2.25%$100-36-Month IRA
2.25%$100-48-Month IRA
2.25%$100-30-Month IRA Bump-a-Rate
1.50%$100-6-Month IRA
Locations

Availability



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