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 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

Rates for Black Hills Federal Credit Union are currently being reviewed.

Locations

Availability

Rapid City Area

Interactive local rates map


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