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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
BLACK HILLS Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 10, 2026
BLACK HILLS's top rates as of October 10, 2026 are 4.00% APY on its 12-Month CD, and rv, boat and powersport loans from 7.00% APR, according to rates verified by MonitorBankRates. Other BLACK HILLS CD rates include 12-Month CD at 4.00%, 18-Month CD at 4.00%, and 24-Month CD at 4.00%. MonitorBankRates evaluates the financial stability of BLACK HILLS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.04%. Rates last updated and verified on 10/10/2026. BLACK HILLS money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BLACK HILLS? Share your experience about BLACK HILLS by leaving a review below, or read customer reviews before you decide to use BLACK HILLS. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. BLACK HILLS CD Rates
BLACK HILLS Home Equity & HELOC
BLACK HILLS Auto Loan Rates
BLACK HILLS RV, Boat and Powersport Loan Rates
BLACK HILLS Personal Loan Rates
BLACK HILLS Other Rates
Financial Health HistoryBLACK HILLS’s Texas Ratio rose from 4.36% in Q3 2023 to 6.04% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for BLACK HILLS is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather BLACK HILLS rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with BLACK HILLS's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
BLACK HILLS
Website
http://www.blackhillsfcu.org
Address
2700 N Plaza Dr,
Rapid City, SD 57702-9303
Phone
605-343-0891
Fax
605-718-6146
President
Mark Wixon
CEO
Jerry Schmidt
Full-Time Employees
393
Part-Time Employees
0
Branch Locations
20
ATM Locations
18
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.04%
Return on Assets (ROA)
0.2327%
Return on Equity (ROE)
2.2027%
Non-Performing Loans Ratio (NPL)
0.95%
Total Assets
2,378,125,758
Total Amount of Shares and Deposits
2,130,300,451
Total Shares and Deposits < 1 Year
1,991,327,392
Total Shares and Deposits 1 3 Years
107,500,585
Total Shares and Deposits > 3 Years
31,472,474
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
305,169,399
Total Uninsured Shares and Deposits > $250K (F+J)
318,639,430
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,811,661,021
Total Interest Expense (Sum of items 6 8)
19,905,104
Share Certificates
18,071
Number of Accounts for Share Drafts
84,152
IRA KEOGH Accounts
3,586
Number of Accounts for Regular Shares
117,307
All other shares
10,111
Non Member Deposits
7
Money Market Shares
30,973
Net Income (unless the amount is already included in Undivided Earnings)
5,533,853
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
127,808,225
Total Liabilities
2,151,597,488
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for BLACK HILLS yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for BLACK HILLS
Frequently Asked Questions About BLACK HILLSHow many branches does BLACK HILLS operate?BLACK HILLS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join BLACK HILLS?Yes, to access services at BLACK HILLS, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, BLACK HILLS does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, BLACK HILLS provides members with tools to manage their accounts and build a solid financial history. Does BLACK HILLS offer online and mobile banking?Most modern institutions like BLACK HILLS provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.blackhillsfcu.org. Current BLACK HILLS Rates
Retrieved from our database of financial products. Rates subject to change.
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