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HIGHMARK

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HIGHMARK Rates & Review May 2026

Q: How many branches does HIGHMARK operate?

HIGHMARK currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join HIGHMARK?

Yes, to access services at HIGHMARK, 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.

Q: Is there a first-time homebuyer program?

Currently, HIGHMARK 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HIGHMARK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 11, 2026

You can compare HIGHMARK rates to other rates in our database, including 12-month share certificate rates currently at 2.50%, 6-month share certificate rates at 1.21% and 3-month share certificate rates at 3.55%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.08%. All these rates can be compared to HIGHMARK rates. MonitorBankRates evaluates the financial stability of HIGHMARK with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.99%. Rates were last updated on 05/11/2026.

HIGHMARK 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 HIGHMARK? Share your experience about HIGHMARK by leaving a review below, or read customer reviews before you decide to use HIGHMARK.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.99%

Excellent Higher than avg

1st Bank in Hominy
Highmark Main Office

725 5th St
Rapid City, SD 57701

http://www.highmarkfcu.com

Current Rate Availability

We do not have HIGHMARK rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HIGHMARK 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 HIGHMARK 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 HIGHMARK's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HIGHMARK

Website http://www.highmarkfcu.com

Address 725 5th St, Rapid City, SD 57701

Phone 605-716-4444

Fax 605-343-4927

President Dorothy Peacock

CEO Mindy Howard

Full-Time Employees 59

Part-Time Employees 5

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.99%

Return on Assets (ROA)

0.5812%

Return on Equity (ROE)

7.6442%

Non-Performing Loans Ratio (NPL)

1.21%

Total Assets

256,770,578

Total Amount of Shares and Deposits

235,339,957

Total Shares and Deposits < 1 Year

213,081,140

Total Shares and Deposits 1 3 Years

20,982,408

Total Shares and Deposits > 3 Years

1,276,408

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

29,336,990

Total Uninsured Shares and Deposits > $250K (F+J)

29,336,990

Total Insured Shares and Deposits > $250K (item 17 less item K)

206,002,967

Total Interest Expense (Sum of items 6 8)

3,602,580

Share Certificates

1,792

Number of Accounts for Share Drafts

9,837

IRA KEOGH Accounts

477

Number of Accounts for Regular Shares

14,461

Non Member Deposits

Money Market Shares

446

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,801,453

Total Liabilities

240,606,972

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

HIGHMARK earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/highmark-rates-review-4122">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About HIGHMARK

How many branches does HIGHMARK operate?

HIGHMARK 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 HIGHMARK?

Yes, to access services at HIGHMARK, 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, HIGHMARK 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, HIGHMARK provides members with tools to manage their accounts and build a solid financial history.

Does HIGHMARK offer online and mobile banking?

Most modern institutions like HIGHMARK 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.highmarkfcu.com.