Black Hills Federal Credit Union High-Yield Savings & Money Market Rates

How Black Hills Federal Credit Union’s savings 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
0.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$95
Premier High-Yield Money Market Account
Top rate
Highmark Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Highmark Federal Credit Union rates
2nd-highest rate
Aspen Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Aspen Federal Credit Union rates

Compare savings rates near you →

84

Savings score

Higher than 68% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.70%
$10,000 balance$10,0000.95%
$100,000 balance$100,0001.65%
QualifiedQualified0.95%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Black Hills Federal Credit Union ranks

By savings score, in each area where it has branches

And 1 more area →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Premier High-Yield Money Market Account

0.95%APY

Dividends compounded and credited monthly. Calculated by the daily balance method.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	0.70%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$10,000 – $50,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	0.95%	$95	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$50,000 – $100,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	1.15%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$100,000 – $250,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	1.65%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$250,000 – $500,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	2.20%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$500,000 – $750,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	2.45%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$750,000 – $1,000,000Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	2.90%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
$1,000,000 and upTiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.	3.15%	—	Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.

Sources (2)

All captured Oct 22, 2026

Regular Share / Regular Savings

0.05%APY$5 to open

Dividends compounded and credited monthly. Par value of a share required for membership is $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum daily balance required to avoid a fee is $5.00. Minimum deposit required to open and earn dividends is $5.00.	0.05%	$5	Minimum daily balance required to avoid a fee is $5.00. Minimum deposit required to open and earn dividends is $5.00.
$25 and up$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.	0.05%	$5	$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.

Sources (4)

All captured Oct 4, 2026

Special Share Account

0.05%APY

No minimum balance requirements apply to this account. Dividends compounded and credited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum deposit or daily balance required to earn dividends. Dividends compounded and credited monthly.Any balance	0.05%	$5	No minimum deposit or daily balance required to earn dividends. Dividends compounded and credited monthly.

Sources (2)

All captured Oct 4, 2026

Special-purpose accounts

HSA Share Account

0.65%APYHSA$100 to open

Dividends compounded and credited monthly. Minimum opening deposit is $100.00, or $5.00 initial deposit with payroll deduction/automatic deposit of $5.00 bi-weekly or $10.00 monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum daily balance required to earn stated APY. Minimum opening deposit of $100, or $5 initial deposit plus payroll deduction authorization of at least $5 bi-weekly or $10 monthly.Any balance	0.65%	$65	No minimum daily balance required to earn stated APY. Minimum opening deposit of $100, or $5 initial deposit plus payroll deduction authorization of at least $5 bi-weekly or $10 monthly.

Sources (3)

All captured Oct 4, 2026

IRA Share Account

0.65%APYIRA$100 to open

Dividends compounded and credited monthly. Minimum opening deposit is $100.00, or $5.00 initial deposit with automatic payroll deduction of $5.00 bi-weekly or $10.00 monthly. Early withdrawal penalty of $10.00 applies if under age 59 1/2 and not disabled.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum daily balance required to earn stated APY. Minimum opening deposit of $100, or $5 initial deposit plus payroll deduction authorization of at least $5 bi-weekly or $10 monthly.Any balance	0.65%	$65	No minimum daily balance required to earn stated APY. Minimum opening deposit of $100, or $5 initial deposit plus payroll deduction authorization of at least $5 bi-weekly or $10 monthly.

Sources (3)

All captured Oct 4, 2026

VIBZ Kid$ Club Share Account

0.05%APYKids and teens$5 to open

For children 12 years or younger. Dividends compounded and credited monthly. Par value of a share is $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum deposit to open and earn dividends is $5.00. Minimum daily balance to avoid a fee is $5.00.	0.05%	$5	Minimum deposit to open and earn dividends is $5.00. Minimum daily balance to avoid a fee is $5.00.
$25 and up$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.	0.05%	$5	$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.

Sources (3)

All captured Oct 4, 2026

VIBZ! Teen Club Share Account

0.05%APYKids and teens$5 to open

For members 13–17 years old. Dividends compounded and credited monthly. Par value of a share is $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum deposit to open and earn dividends is $5.00. Minimum daily balance to avoid a fee is $5.00.	0.05%	$5	Minimum deposit to open and earn dividends is $5.00. Minimum daily balance to avoid a fee is $5.00.
$25 and up$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.	0.05%	$5	$25.00 Minimum Daily Balance required to earn the stated APY. Dividends compounded and credited monthly.

Sources (3)

All captured Oct 4, 2026

Closed to new customers

Keenager Share Account

0.05%APY$5 to open

No longer available as of 5/1/2017.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upGrandfathered rate schedule for existing accounts; no longer available to open. Minimum daily balance required to avoid a fee is $5.00.$5 and up	0.05%	$5	Grandfathered rate schedule for existing accounts; no longer available to open. Minimum daily balance required to avoid a fee is $5.00.

Sources (1)

bhfcu.com/BlackHillsFCU/media/…res/Truth-in-Savings.pdf · captured Oct 4, 2026

Who can join Black Hills Federal Credit Union

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Visit institution website ↗Branches and institution details

How Black Hills Federal Credit Union’s savings rates compare

Black Hills Federal Credit Union savings score

Current savings rates

Premier High-Yield Money Market Account

Regular Share / Regular Savings

Special Share Account

Special-purpose accounts

HSA Share Account

IRA Share Account

VIBZ Kid$ Club Share Account

VIBZ! Teen Club Share Account

Closed to new customers

Keenager Share Account

Who can join Black Hills Federal Credit Union