Black Hills Federal Credit Union is a member-owned financial cooperative serving the Sioux Falls area and surrounding communities. Established to provide accessible financial services, the organization operates as a nonprofit monetary cooperative governed by a voluntary board elected by its members. Its structure emphasizes mutual benefit, with profits reinvested to improve member services, expand product offerings, and support community initiatives.
The credit union offers a range of core financial services that support everyday banking, savings, loans, and payment activities. Historically, such institutions grew through local membership, building a grassroots network that emphasizes local decision-making and a focus on member needs. Operationally, Black Hills Federal Credit UnionHealth maintains branches, digital channels, and member services designed to facilitate secure transactions, financial education, and personalized assistance. The organization collaborates with regulatory bodies to ensure compliance, fiduciary responsibility, and prudent risk management while pursuing stability and access to financial resources for its members. Members participate in governance through annual meetings and elections.
Better than 41% of providers in Sioux Falls
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 Sioux Falls, 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 Sioux Falls 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 3.2, which is better than 41% of providers in Sioux Falls.
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.