Credit union · NCUA insured
Northern Hills Federal Credit Union
A $196.6M credit union headquartered in Sturgis, SD, with 12,667 members and 4 branches in South Dakota. Best rates: CDs 4.20% and savings 0.80% APY.
Northern Hills Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#3 of 6 in Spearfish, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern Hills Federal Credit Union
Northern Hills Federal Credit Union is a member-owned not-for-profit financial cooperative that has been serving the area since 1950.
The credit union now serves all of South Dakota.
- Headquarters
- 1080 Main St, Sturgis, SD 57785
- NCUA charter
- 6986
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, volunteers, or attends school in, and businesses and other legal entities in, any county within the State of South Dakota.
Family and household
- Membership is open to any relative of a member, whether related by blood or marriage.
Branches
4 branches in South Dakota
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South Dakota
4 branches
Spearfish area · 2
- Nhfcu0578 Cliff St, Deadwood, SD 57732Directions
- Nhfcu032430 Platinum Dr, Suite 3, Spearfish, SD 57783Directions
Rapid City area · 1
- Nhfcu01Main office1080 Main St, Sturgis, SD 57785Directions
Belle Fourche area · 1
- Nhfcu062211 Dakota Ave, Belle Fourche, SD 57717Directions
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 | 0.29% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.83% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio9.57%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.29%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.83%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ 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 Northern 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.