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Black Hills

PO Box 1420, Rapid City, SD 57709
NCUA Insured2.5 (64 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1941

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 1420

Rapid City, SD 57709

Service Area

This credit union is located in Rapid City and serves members in the SD area. Currently serving 108,769 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

7.45%

Personal Loan

11.00%

Credit Card APR

8.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in SD

Lowest rates currently reported by credit unions in SD (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(21 total)

Member Reviews

2.5

64 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Jon Becker

Jon Becker

4 months ago

If I could give negative 5 stars I would. Absolutely worst place to get a loan. Never received a call or message until I received something in the mail saying I was past due even though its set up on auto pay! Their website shows the payments as processed. So where did my money go?! And when calling and working out a plan and told that was fine yet they still show up to take my car and then proceed to tell me it's over 1500 more than I was supposedly behind?! And the lady flat out dismissing me and pretty much saying that sucks, cant do anything about it. *click* I will be refinancing through someone else asap! Worst bank to ever work with.

Kirsten Goodhue

Kirsten Goodhue

5 months ago

My husband and I have had this bank for 7 years and each year gets worse and worse. My husband called and talked to an extremely rude woman. To no fault of our own we had an issue with my husbands paycheck going into our other bank account and it bounced one of our checks. We were advised we can’t use mobile deposit for 6 mos and we’re also advised that the 200 dollars that we have in our account will be one hold for 10 days. That is unacceptable. Like most people we live paycheck to paycheck. They reran the check and received the money that the check was for. We will be closing our account once our personal loan is paid off and won’t be recommending this bank to anybody!!!

Kiley Sevening

Kiley Sevening

4 months ago

Today I experienced the most wonderful customer service from a teller named Jordell. The joy and laughs he brought so early in the morning was a fabulous way to start my day!!!

Jayda Dawn

Jayda Dawn

a year ago

If I could give the company 0 stars I would. I used to love BHFCU so much until they decided to mark MY CARD as lost or stolen. Mind you prior to moving I had updated my address and everything that I needed to before I made a purchase with that card. It was going fine for two whole months until I was at the store with my girlfriends and my card was declined by the bank on a Saturday. So I called and she basically said that I! marked the card as lost or stolen and I was like why???? I never did that I’ve been here for two months now and I even updated my address and everything. She said well you’re just gonna have to call them during business hours (mon-fri) mind you, Mother’s Day is tomorrow on Sunday and I’m still not going to be able to use my card and go do the APPOINTMENTS that I had planned for my mother and I for her what was supposed to be A SPECIAL DAY. I’m completely switching my bank this is ridiculous, never even gave me ANY KIND OF NOTICE that they were marking my card. Never called and asked if I was making these purchases.

Cody Stahly

Cody Stahly

a year ago

Zelle! One of the handiest ways I’ve been able to pay people except through BHFCU. Was told $100 max for the day! The lady I talked to got it changed to where I could send the absolute max for the day and the week which I thought was great. Then I go and try to send a small amount of money (less than $100) to someone and it gets denied. Many times getting denied and not letting me send money, I call them to find out why and they say I’ve been locked out for 7 days because I tried to send too much money and it locked my account and there’s nothing they could do until after 7 days. I never even went close to over the max for the day or the week and I get locked out. Super frustrating and more than likely will be switching banks because of this.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).