Northern Hills Federal Credit Union Savings & Money Market Rates

How Northern Hills Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Spearfish, SD, where Northern Hills Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Northern Hills Federal Credit Union
0.80%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$80
Money Market
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
Black Hills Federal Credit Union
0.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$95
Black Hills Federal Credit Union rates

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Savings score

Higher than 61% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.80%
$100,000 balance$100,0001.50%
QualifiedQualified0.80%

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 Northern Hills Federal Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

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

Money Market

Up to 0.80%APY$2,500 to open

Minimum deposit to open is $2,500.00. Must maintain a minimum daily balance of $2,500.00 to avoid a monthly fee. Pays the stated interest rate corresponding to the applicable deposit tier on the full balance in the account. Transaction limit of no more than six transfers per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	0.50%	$50	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
$5,000 and upIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	0.80%	$80	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
$25,000 and upIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	1.00%	—	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
$50,000 and upIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	1.15%	—	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
$100,000 and upIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	1.50%	—	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.
$150,000 and upIf minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.	1.60%	—	If minimum monthly balance of $2,500.00 is not maintained, account is subject to a monthly fee. Tier rate applies to full balance.

Sources (3)

All captured Oct 22, 2026

Special Savings

0.10%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Any balance	0.10%	$10

Sources (3)

All captured Sep 19, 2026

Who can join Northern Hills Federal Credit Union

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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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