Credit union · NCUA insured
HB Telco FCU
A $4.9M credit union headquartered in Huron, SD, with 788 members and 1 branch in South Dakota. Best rates: CDs 3.25% and savings 0.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs—3.25%CD rates →
- Savings640.10%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HB Telco FCU
HB Telco Federal Credit Union is a member-owned financial cooperative based in Huron, South Dakota, operating since Huron Telco opened its first office in 1954.
The credit union adopted its current name in January 2006 after merging with H&B Federal Credit Union.
- Headquarters
- 375 3rd St SW, Huron, SD 57350-1945
- NCUA charter
- 9888
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to Centurylink in 20 surrounding counties.
- Membership is open to Girl Scouts of Nyoda Council sponsor group.
- Membership is open to Midstate Communications Cooperative sponsor group.
- Membership is open to NorthWestern Corporation sponsor group.
- Membership is open to Santel Communications Cooperative sponsor group.
- Membership is open to Venture Communications Cooperative sponsor group.
4 more ways to join
Military, government and schools
- Membership is open to Beadle and Kingsbury County employees.
- Membership is open to employees of City of Huron.
- Membership is open to State of South Dakota employees who work in Beadle County.
Family and household
- Membership is open to members of qualifying employees' immediate families.
Branches
1 branch in South Dakota
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South Dakota
1 branch
- HB Telco Federal Credit UnionMain office375 3rd St SW, Huron, SD 57350Directions
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 | 8.59% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.82% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $86 | $59 | — |
- CapitalNet worth ratio8.59%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.82%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$86Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 HB Telco FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.