Credit union · NCUA insured
Aspen Federal Credit Union
Top CarrotA $167.2M credit union headquartered in Rapid City, SD, with 8,383 members and 2 branches in South Dakota. Best rates: CDs 4.10% APY.
Aspen Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#2 of 16 in Rapid City, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Aspen Federal Credit Union
Headquartered in Rapid City, South Dakota, Aspen Federal Credit Union is a member-owned institution that began by serving the local medical community from the old Bennett-Clarkson Hospital.
The credit union serves individuals and businesses across Pennington, Meade, Lawrence, and Custer Counties, as well as the broader Black Hills surrounding areas.
- Headquarters
- 4956 5th St, Rapid City, SD 57701
- NCUA charter
- 17224
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, attend school in, or own a business located in Pennington, Meade, Lawrence, or Custer County, South Dakota are eligible for membership.
Family and household
- Individuals with a family member who is an existing member of Aspen FCU are eligible for membership.
Cost to join
- An opening deposit of $25 is required to purchase a share of the credit union upon becoming a member.
Branches
2 branches in South Dakota
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South Dakota
2 branches
- Main OfficeMain office4956 5th St, Rapid City, SD 57701Directions
- West Branch2300 W Main St, Rapid City, SD 57702Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.20% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio8.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Aspen Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.