Credit union · NCUA insured
Black Hills Federal Credit Union
Top CarrotA $2.4B credit union, the 227th largest of 4,329, headquartered in Rapid City, SD, with 108,871 members and 20 branches in 2 states. Best rates: savings 0.95% APY.
Black Hills Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#3 of 16 in Rapid City, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Black Hills Federal Credit Union
- Headquarters
- 2700 N Plaza Dr, Rapid City, SD 57702-9303
- NCUA charter
- 4365
Branches
20 branches in 2 states
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South Dakota
18 branches
Rapid City area · 10
- Box Elder Branch376 Liberty Boulevard, Box Elder, SD 57719Directions
- Custer Member Service Center1135 Mount Rushmore Rd, Custer, SD 57730Directions
- 5th & Minnesota Member Service Center111 E Minnesota St, Rapid City, SD 57701Directions
- Downtown Member Service Center200 E Main St, Rapid City, SD 57701Directions
- East North Member Service Center725 E North St, Rapid City, SD 57701Directions
- Elk Vale Member Service Center950 Elk Vale Rd, Rapid City, SD 57703Directions
- Mountain View Member Service Center850 Mountain View Rd, Rapid City, SD 57702Directions
- Plaza Drive Member Service Center2700 N Plaza Dr, Rapid City, SD 57702Directions
- Sturgis Member Service Center1020 Lazelle St., Sturgis, SD 57785Directions
- Wall Member Service Center115 S Blvd W, Wall, SD 57790Directions
Sioux Falls area · 4
- 10th Street921 W 10th St, Sioux Falls, SD 57104Directions
- 41st Street - Sioux Falls1901 W 41st St, Sioux Falls, SD 57105Directions
- E. 10th - Sioux Falls3701 E 10th St, Sioux Falls, SD 57103Directions
- Marion Road - Sioux Falls5028 S Marion Rd, Sioux Falls, SD 57106Directions
Eagle Butte area · 1
- Cheyenne River Member Service CenterPO Box 620, Highway 212 and Willow, Eagle Butte, SD 57625Directions
Hot Springs area · 1
- Hot Springs Member Service Center330 S Chicago St, Hot Springs, SD 57747Directions
Pierre area · 1
- Pierre Member Service Center1530 N Garfield Ave, Pierre, SD 57501Directions
Spearfish area · 1
- Spearfish Member Service Center835 N Main St, Spearfish, SD 57783Directions
Montana
2 branches
- Billings - Shiloh4002 Montana Sapphire Dr, Billings, MT 59106Directions
- Billings Member Service Center1595 Grand Ave Ste 235B, Billings, MT 59102Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.56% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.95% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.47% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $78 | $88 | — |
- CapitalNet worth ratio10.56%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.95%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.47%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$78Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Black Hills 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.