Credit union · NCUA insured
Bluestone Federal Credit Union
A $212.6M credit union headquartered in Sioux Falls, SD, with 11,714 members and 3 branches in South Dakota. Best rates: CDs 3.56% and savings 0.70% APY.
Bluestone Federal Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#8 of 18 in Sioux Falls, SD-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bluestone Federal Credit Union
Bluestone Federal Credit Union is a member-owned financial cooperative serving persons who live, work, worship, or attend school across 43 counties in Iowa, Minnesota, Nebraska, and South Dakota.
The credit union operates three branches in Sioux Falls.
- Headquarters
- 5010 S Solberg Ave, Sioux Falls, SD 57108-2232
- NCUA charter
- 2874
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to persons who live, work, worship or attend school in 43 counties across 4 states (Iowa, Minnesota, Nebraska, South Dakota).
Family and household
- Immediate family members of eligible persons are eligible for membership.
Cost to join
- Members must fund their membership with a $5.00 share deposit.
Branches
3 branches in South Dakota
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South Dakota
3 branches
- Southwest BranchMain office5010 S Solberg Ave, Sioux Falls, SD 57108Directions
- East Branch3400 S Sycamore Ave, Sioux Falls, SD 57110Directions
- North Branch901 N West Ave, Sioux Falls, SD 57104Directions
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 | 9.57% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.50% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $73 | $76 | — |
- CapitalNet worth ratio9.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.50%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$73Peers’ 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 Bluestone 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.