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 1,314^th largest credit union in the nation. It was established in 1940 and as of September of 2019, it had grown to 48 employees and 11,730 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

B+

Data as of Q3 2019

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Health Grade Components

Overall
NCUA #	4122
Year Chartered	1940
Employees	48
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	5.07%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$142.8MM$143.8MM
Loans	Q3 2019vs Q3 2018	$121.2MM$112.3MM
Deposits	Q3 2019vs Q3 2018	$124.5MM$122.3MM
Equity Capital	Q3 2019vs Q3 2018	$11.8MM$11.3MM
Secondary Capital	Q3 2019vs Q3 2018	$300.00K
Loan Loss Allowance	Q3 2019vs Q3 2018	$504.00K$352.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$682.00K$528.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$460.00K

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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