Credit union · NCUA insured
Black Hills Federal Credit Union CD Rates
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.
How Black Hills Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Rapid City, SD, where Black Hills Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Black Hills Federal Credit Union
4.00%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $99
IRA Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Northern Hills Federal Credit Union
4.20%APY
- Term
- 25 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $895
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates
4.00%APY · 10 terms
Dividends compounded daily and credited monthly. Early withdrawal penalty may apply. Automatically renews at maturity with a 10-day grace period. Not valid for brokered deposits, institutional investors, business accounts, or Public Funds.
| Term | APY · $100 – $500 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 3 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $99 |
| 6 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 6 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $198 |
| 9 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 9 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $299 |
| 12 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 12 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $400 |
| 18 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 18 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $606 |
| 24 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 24 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $816 |
| 30 monthsBump-a-Rate available upon request. For members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 30 monthsRates effective as of Oct 1, 2026. Bump-a-Rate feature is available upon request | — | 4.00% | 4.00% | $1,030 |
| 36 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 36 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $1,249 |
| 48 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 48 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $1,699 |
| 60 monthsFor members of VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club | 4.00% | — | —4.00% $100–$500 | — |
| 60 monthsRates effective as of Oct 1, 2026 | — | 4.00% | 4.00% | $2,167 |
Sources (3)
- bhfcu.com/disclosures/truth-in-savings
- bhfcu.com/rates/certificate-rates
- bhfcu.com/save-spend/personal/certificates
All captured Oct 22, 2026
HSA Certificates
4.00%APY · 10 terms
Dividends compounded daily and credited monthly. Early withdrawal penalty may apply. Federally insured by NCUA up to $250,000. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates effective as of Oct 1, 2026 | 4.00% | $99 |
| 6 monthsRates effective as of Oct 1, 2026 | 4.00% | $198 |
| 9 monthsRates effective as of Oct 1, 2026 | 4.00% | $299 |
| 12 monthsRates effective as of Oct 1, 2026 | 4.00% | $400 |
| 18 monthsRates effective as of Oct 1, 2026 | 4.00% | $606 |
| 24 monthsRates effective as of Oct 1, 2026 | 4.00% | $816 |
| 30 monthsRates effective as of Oct 1, 2026. Bump-a-Rate feature is available upon request | 4.00% | $1,030 |
| 36 monthsRates effective as of Oct 1, 2026 | 4.00% | $1,249 |
| 48 monthsRates effective as of Oct 1, 2026 | 4.00% | $1,699 |
| 60 monthsRates effective as of Oct 1, 2026 | 4.00% | $2,167 |
IRA Certificates
4.00%APY · 9 terms
Dividends compounded daily and credited monthly. Early withdrawal penalty may apply. $10.00 withdrawal penalty if withdrawn at maturity and member is under 59 1/2 and not disabled. Federally insured by the NCUA up to $250,000. Automatically renews at maturity with a 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates effective as of Oct 1, 2026 | 4.00% | $99 |
| 6 monthsRates effective as of Oct 1, 2026 | 4.00% | $198 |
| 9 monthsRates effective as of Oct 1, 2026 | 4.00% | $299 |
| 12 monthsRates effective as of Oct 1, 2026 | 4.00% | $400 |
| 18 monthsRates effective as of Oct 1, 2026 | 4.00% | $606 |
| 30 monthsRates effective as of Oct 1, 2026. Bump-a-Rate feature is available upon request | 4.00% | $1,030 |
| 36 monthsRates effective as of Oct 1, 2026 | 4.00% | $1,249 |
| 48 monthsRates effective as of Oct 1, 2026 | 4.00% | $1,699 |
| 60 monthsRates effective as of Oct 1, 2026 | 4.00% | $2,167 |
Who can join Black Hills Federal Credit Union
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