Black Hills Federal Credit Union is a member-owned financial cooperative serving individuals who live, work, worship, or attend school within its field of membership in the Rapid City, South Dakota area. Founded to provide affordable financial services through a cooperative model, the organization operates on the principles of democratic member control and community-focused stewardship. Its leadership and governance structure typically include a volunteer board of directors and supervisory committee elected by credit union members, guiding strategic direction and oversight.
The credit union's primary functions center on safeguarding members’ deposits, providing access to borrowing, and facilitating payment services. Historically, it has evolved from a local savings and loan institution into a full-service financial cooperative offering checking and savings products, loans, debit and credit services, and online and mobile access where available. Operationally, its scope encompasses branch services, consumer and member education initiatives, and collaborations within the broader regional financial ecosystem to support financial well-being and community sustainability.
Better than 12% of providers in Rapid City
In addition to the primary service, Black Hills Federal Credit Union also offers:
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Black Hills Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Black Hills Federal Credit Union is listed as a financial service provider in Rapid City, SD and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Black Hills Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Black Hills Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Black Hills Federal Credit Union with other providers in Rapid City and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Black Hills Federal Credit Union has a rating of 2.6, which is better than 12% of providers in Rapid City.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Black Hills Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Black Hills Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Black Hills Federal Credit Union also offers: Federal credit union, ATM, Credit union, Mortgage lender.