Credit union · NCUA insured
Oahe Federal Credit Union
A $45M credit union headquartered in Pierre, SD, with 3,565 members and 2 branches in South Dakota. Best rates: CDs 3.50% and savings 1.00% APY.
Oahe Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#2 of 4 in Pierre, SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Oahe Federal Credit Union
Headquartered in Pierre, South Dakota, Oahe Federal Credit Union is a member-owned financial cooperative that has served individuals and families for over 70 years.
The credit union focuses on community-driven initiatives supporting Pierre and the surrounding Central South Dakota area.
- Headquarters
- 221 E Pleasant Dr, Pierre, SD 57501-3123
- NCUA charter
- 10243
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of any business registered with South Dakota Retailers Association are eligible for membership.
- Employees of St. Mary Hospital are eligible for membership.
Military, government and schools
- Employees of Ft. Pierre School District are eligible for membership.
- Employees of Pierre Head Start are eligible for membership.
- Employees of Pierre School District are eligible for membership.
- Employees of Pierre Indian Learning Center are eligible for membership.
5 more ways to join
Military, government and schools
- Employees of the City of Fort Pierre are eligible for membership.
- Employees of the City Of Pierre are eligible for membership.
- Federal Government employees located within 50 miles of Pierre are eligible for membership.
- Employees of the State of South Dakota are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, legal adoption, or legal guardianship) of eligible members are eligible for membership.
Cost to join
- Membership requires maintaining a $25.00 minimum Share Account balance in the primary credit union savings account.
Branches
2 branches in South Dakota
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South Dakota
2 branches
- Oahe Federal Credit UnionMain office221 E Pleasant Dr, Pierre, SD 57501Directions
- American Bank & Trust700 E Sioux Ave, Pierre, SD 57501Directions
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 | 16.23% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.55% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $60 | $59 | — |
- CapitalNet worth ratio16.23%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.55%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$60Peers’ 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 Oahe 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.