Black Hills Federal Credit Union is a member-owned financial cooperative serving individuals who reside or work in select areas of South Dakota. Established to provide cooperative banking services, the organization emphasizes a not-for-profit model where profits are returned to members through competitive rates and shared services. The credit union operates under a governance framework that includes a volunteer board of directors and management overseeing daily operations, risk controls, and policy compliance.
Its historical trajectory reflects growth in membership and expansion of financial offerings designed to meet everyday banking needs. Core activities typically include accepting deposits, providing loan products, and delivering basic cash management services. The organization maintains service points and digital channels that enable member access to accounts, routine transactions, and financial services. While specific product lines may evolve, the primary mission centers on safeguarding member deposits, facilitating responsible lending, and supporting the financial stability of the communities it serves.
Better than 72% 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 4.1, which is better than 72% 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.