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 222nd largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 402 employees and 106,554 members at 19 locations. Black Hills Federal Credit Union's money market rates are 5X 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
Employees402
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.68%
Annual Interest Income$28.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.28B$2.32B
LoansQ1 2025vs Q1 2024$1.68B$1.75B
DepositsQ1 2025vs Q1 2024$2.01B$1.93B
Equity CapitalQ1 2025vs Q1 2024$204.6MM$185.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.5MM$9.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$18.8MM$18.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$42K
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%$0-HSA Share Account
0.15%$1.5k-HSA Ultimate Checking
0.05%$25-Regular Share Savings Account
0.05%$0-Special Share Account
0.05%$25-VIBZ Kid$
0.05%$25-VIBZ! Teen Club Share Account

Black Hills Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.30%*$500k*-Premier High-Yield Money Market Account
OTHER TIERS: 0.55% $0 - $10k | 0.80% $10k - $50k | 1.00% $50k - $100k | 1.50% $100k - $250k | 2.05% $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
4.00%$500-3-Month CD
4.00%$500-6-Month CD
4.00%$500-9-Month CD
4.00%$500-12-Month CD
4.00%$500-24-Month CD
4.00%$500-36-Month CD
4.00%$100$5003-Month VIBZ! Teen Club CD
4.00%$100$5006-Month VIBZ! Teen Club CD
4.00%$100$5009-Month VIBZ! Teen Club CD
4.00%$100$50012-Month VIBZ! Teen Club CD
4.00%$100$50018-Month VIBZ! Teen Club CD
4.00%$100$50024-Month VIBZ! Teen Club CD
4.00%$500-48-Month CD
4.00%$500-60 Month CD
4.00%$100$50036-Month VIBZ! Teen Club CD
4.00%$100$50048-Month VIBZ! Teen Club CD
4.00%$100$50060 Month VIBZ! Teen Club CD
4.00%$100$5003-Month Vibz Kid$ CD
4.00%$100$5006-Month Vibz Kid$ CD
4.00%$100$5009-Month Vibz Kid$ CD
4.00%$100$50012-Month Vibz Kid$ CD
4.00%$100$50018-Month Vibz Kid$ CD
4.00%$100$50024-Month Vibz Kid$ CD
4.00%$100$50036-Month Vibz Kid$ CD
4.00%$100$50048-Month Vibz Kid$ CD
4.00%$100$50060 Month Vibz Kid$ CD
4.00%$500-18-Month CD
4.00%$500-3-Month HSA
4.00%$500-6-Month HSA
4.00%$500-9-Month HSA
4.00%$500-18-Month HSA
4.00%$500-24-Month HSA
4.00%$500-36-Month HSA
4.00%$500-48-Month HSA
4.00%$500-60 Month HSA
4.00%$500-12-Month HSA
4.00%$500-30 Month Bump A Rate CD
4.00%$500-30-Month HSA Bump-a-Rate
4.00%$100$50030-Month Vibz Kid$ CD Bump-a-Rate
4.00%$100$50030-Month VIBZ! Teen Club CD Bump-a-Rate

Black Hills Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$500-3-Month IRA
4.00%$500-6-Month IRA
4.00%$500-9-Month IRA
4.00%$500-12-Month IRA
4.00%$500-18-Month IRA
4.00%$500-24-Month IRA
4.00%$500-36-Month IRA
4.00%$500-48-Month IRA
4.00%$500-60 Month IRA
4.00%$500-30-Month IRA Bump-a-Rate
0.50%$0-IRA Share Account
Locations

Availability



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