HB Telco Federal Credit Union


Overview / Commentary
605-352-6933
375 3rd St SW
Huron, SD 57350

HB Telco Federal Credit Union is headquartered in Huron and is the 32nd largest credit union in the state of South Dakota. It is also the 4,006th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 2 employees and 796 members at 2 locations. HB Telco Federal Credit Union's CD rates are 4X the national average, and it has a C+ health rating.

Field of Membership Restrictions

HB Telco Federal Credit Union is open to members of the following groups: Centurylink in 20 surrounding counties, NorthWestern Corporation, Venture Communications Cooperative, Santel Communications Cooperative, Midstate Communications Cooperative, Girl Scouts of Nyoda Council, employees of the City of Huron, Beadle and Kingsbury County, and employees in South Dakota State working in Beadle County.
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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. HB Telco Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #9888
Year Chartered1954
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD-0.59%
Return on Equity - YTD-6.2%
Annual Interest Income$60K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$4.9MM$5.2MM
LoansQ1 2025vs Q1 2024$3.4MM$4.2MM
DepositsQ1 2025vs Q1 2024$4.4MM$4.6MM
Equity CapitalQ1 2025vs Q1 2024$459K$485K
Loan Loss AllowanceQ1 2025vs Q1 2024$68K$76K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4K$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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HB Telco Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Savings Account

HB Telco Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Checking Account

HB Telco Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-12 Month Share Certificate
3.50%$100-12 Month Youth Share Certificate
Locations


HB Telco Federal Credit Union Locations
Corporate Office375 3rd St SWHuron, SD 57350-1945
Corporate Office1001 CHESTNUT HILLS PKWYFORT WAYNE, IN 46814

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