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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 March 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: March 29, 2026
BLACK HILLS's Personal Loan Rates are at 7.25%. MonitorBankRates evaluates the financial stability of BLACK HILLS with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.41%. Rates were last updated on 03/29/2026. 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. 
BLACK HILLS Home Equity & HELOC
BLACK HILLS Auto Loan Rates
BLACK HILLS Credit Card Rates
BLACK HILLS Personal Loan Rates
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
404
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+ (98/100)
Texas Ratio
4.41%
Return on Assets (ROA)
0.3842%
Return on Equity (ROE)
3.6112%
Non-Performing Loans Ratio (NPL)
0.65%
Total Assets
2,291,314,119
Total Amount of Shares and Deposits
2,049,582,506
Total Shares and Deposits < 1 Year
1,930,161,339
Total Shares and Deposits 1 3 Years
89,852,512
Total Shares and Deposits > 3 Years
29,568,655
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
281,513,445
Total Uninsured Shares and Deposits > $250K (F+J)
293,240,970
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,756,341,536
Total Interest Expense (Sum of items 6 8)
30,653,675
Share Certificates
17,534
Number of Accounts for Share Drafts
82,592
IRA KEOGH Accounts
3,618
Number of Accounts for Regular Shares
115,653
All other shares
10,433
Non Member Deposits
5
Money Market Shares
27,877
Net Income (unless the amount is already included in Undivided Earnings)
8,802,411
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
149,854,072
Total Liabilities
2,073,820,257
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About BLACK HILLSIs BLACK HILLS a safe place to deposit money?Yes, BLACK HILLS is considered a safe financial institution. With a Texas Ratio of 4.4056394302246%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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. Compare to Other Credit Unions
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