Highmark Federal Credit Union

Overview / Commentary

www.highmarkfcu.com

800-672-6365

725 5th St
Rapid City, SD 57701

Highmark Federal Credit Union is headquartered in Rapid City and is the 5^th largest credit union in the state of South Dakota. It is also the 1,323^rd largest credit union in the nation. It was established in 1940 and as of December of 2018, it had grown to 46 employees and 12,052 members at 4 locations. Highmark Federal Credit Union's CD rates are 67% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Butte, Custer, Fall River, Harding, Lawrence, Meade and Pennington Counties, South Dakota, and Campbell, Crook, Niobrara and Weston Counties, Wyoming.
See current membership details

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Health

Data as of Q4 2018

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Health Grade Components

Overall
NCUA #	4122
Year Chartered	1940
Employees	46
Primary Regulator

Profit Margin
Return on Assets - YTD	0.31%
Return on Equity - YTD	3.91%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$139.5MM$123.1MM
Loans	Q4 2018vs Q4 2017	$114.2MM$106.3MM
Deposits	Q4 2018vs Q4 2017	$120.2MM$103.7MM
Equity Capital	Q4 2018vs Q4 2017	$11.4MM$9.2MM
Secondary Capital	Q4 2018vs Q4 2017	$100.00K
Loan Loss Allowance	Q4 2018vs Q4 2017	$406.00K$498.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$1.8MM$1.3MM
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
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.

Highmark Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25	-	PeeWee Penguin Club
1.00%	$25	-	Teen Club
1.00%^*	$25^*	$5k	Christmas Club
OTHER TIERS: 0.05% → $5k+
1.00%^*	$25^*	$5k	Vacation Club
OTHER TIERS: 0.05% → $5k+
0.70%	$25	-	IRA Share Account
0.05%	$100	-	Primary Share
0.05%	$100	-	Special Share

Highmark Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$90k^*	-	Elite Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.20% → $10k - $50k \| 0.30% → $50k - $90k
0.35%^*	$90k^*	-	Business Elite Money Market
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.20% → $10k - $50k \| 0.30% → $50k - $90k
0.15%^*	$100k^*	-	Money Market
OTHER TIERS: 0.06% → $25 - $5k \| 0.07% → $5k - $50k \| 0.10% → $50k - $100k
0.15%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.06% → $25 - $5k \| 0.07% → $5k - $50k \| 0.10% → $50k - $100k

Highmark Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.85%^*	$100k^*	-	60 Month CD
OTHER TIERS: 2.75% → $500 - $25k \| 2.80% → $25k - $100k
2.40%^*	$100k^*	-	48 Month CD
OTHER TIERS: 2.30% → $500 - $25k \| 2.35% → $25k - $100k
2.25%^*	$100k^*	-	36 Month CD
OTHER TIERS: 2.15% → $500 - $25k \| 2.20% → $25k - $100k
2.15%^*	$100k^*	-	30 Month CD
OTHER TIERS: 2.05% → $500 - $25k \| 2.10% → $25k - $100k
2.10%^*	$100k^*	-	24 Month CD
OTHER TIERS: 2.00% → $500 - $25k \| 2.05% → $25k - $100k
1.70%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.60% → $500 - $25k \| 1.65% → $25k - $100k
1.50%^*	$100k^*	-	12 Month CD
OTHER TIERS: 1.40% → $500 - $25k \| 1.45% → $25k - $100k
1.25%^*	$100k^*	-	9 Month CD
OTHER TIERS: 1.15% → $500 - $25k \| 1.20% → $25k - $100k
1.15%^*	$100k^*	-	6 Month CD
OTHER TIERS: 1.05% → $500 - $25k \| 1.10% → $25k - $100k
0.80%^*	$100k^*	-	3 Month CD
OTHER TIERS: 0.70% → $500 - $25k \| 0.75% → $25k - $100k

Highmark Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.85%^*	$100k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 2.75% → $500 - $25k \| 2.80% → $25k - $100k
2.40%^*	$100k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 2.30% → $500 - $25k \| 2.35% → $25k - $100k
2.25%^*	$100k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 2.15% → $500 - $25k \| 2.20% → $25k - $100k
2.15%^*	$100k^*	-	30 Month IRA Share Certificate
OTHER TIERS: 2.05% → $500 - $25k \| 2.10% → $25k - $100k
2.10%^*	$100k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 2.00% → $500 - $25k \| 2.05% → $25k - $100k
1.70%^*	$100k^*	-	18 Month IRA Share Certificate
OTHER TIERS: 1.60% → $500 - $25k \| 1.65% → $25k - $100k
1.50%^*	$100k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 1.40% → $500 - $25k \| 1.45% → $25k - $100k

Locations

Highmark Federal Credit Union Locations
Branch Office	309 W Jackson Blvd	Spearfish, SD 57783-2034
Branch Office	725 5th St	Rapid City, SD 57701
Branch Office	602 Mount Rushmore Rd	Custer, SD 57730
Branch Office	1103 E. Boxelder Road, Suite 3Jb, Silverado Shopping Center	Gillette, WY 82718

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