Make plans for the long-term

To grow your money at a guaranteed rate of return, consider Black Hills FCU. We have some of the highest certificate rates in South Dakota, all focused on helping you prepare for retirement, save for healthcare costs or reach any other financial goal.

  • Dividends compounded and credited monthly
  • No minimum Daily Balance required to earn the stated APY
  • An initial deposit of $5.00 and an automatic deposit of $5.00 biweekly or $10.00 monthly will allow you to open the account
Minimum Opening Balance APY Dividend Rate
Minimum Opening Deposit $100.00 1.10% 1.10%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** .50% .50%
$500.00 to $24,999.99 .50% .50%
$25,000.00 + .60% .60%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** .65% .65%
$500.00 to $24,999.99 .65% .65%
$25,000.00 + .75% .75%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** .75% .75%
$500.00 to $24,999.99 .75% .75%
$25,000.00 + .85% .85%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.10% 1.09%
$500.00 to $24,999.99 1.10% 1.09%
$25,000.00 to $99,000.00 1.20% 1.19%
$25,000.00 + Ultimate ** 1.30% 1.29%
$99,000.00 + 1.25% 1.24%
$99,000.00 + Ultimate ** 1.35% 1.34%
$200,000.00 + 1.30% 1.29%
$200,000.00 + Ultimate ** 1.40% 1.39%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.15% 1.14%
$500.00 to $24,999.99 1.15% 1.14%
$25,000.00 to $99,000.00 1.25% 1.24%
$25,000.00 + Ultimate ** 1.35% 1.34%
$99,000.00 + 1.30% 1.29%
$99,000.00 + Ultimate ** 1.40% 1.39%
$200,000.00 + 1.35% 1.34%
$200,000.00 + Ultimate ** 1.45% 1.44%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.30% 1.29%
$500.00 to $24,999.99 1.30% 1.29%
$25,000.00 to $99,000.00 1.40% 1.39%
$25,000.00 + Ultimate ** 1.50% 1.49%
$99,000.00 + 1.45% 1.44%
$99,000.00 + Ultimate ** 1.55% 1.54%
$200,000.00 + 1.50% 1.49%
$200,000.00 + Ultimate ** 1.60% 1.59%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.40% 1.39%
$500.00 to $24,999.99 1.40% 1.39%
$25,000.00 to $99,000.00 1.50% 1.49%
$25,000.00 + Ultimate ** 1.60% 1.59%
$99,000.00 + 1.55% 1.54%
$99,000.00 + Ultimate ** 1.65% 1.64%
$200,000.00 + 1.60% 1.59%
$200,000.00 + Ultimate ** 1.70% 1.69%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.50% 1.49%
$500.00 to $24,999.99 1.50% 1.49%
$25,000.00 to $99,000.00 1.60% 1.59%
$25,000.00 + Ultimate ** 1.70% 1.69%
$99,000.00 + 1.65% 1.64%
$99,000.00 + Ultimate ** 1.75% 1.74%
$200,000.00 + 1.70% 1.69%
$200,000.00 + Ultimate ** 1.80% 1.78%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 1.65% 1.64%
$500.00 to $24,999.99 1.65% 1.64%
$25,000.00 to $99,000.00 1.75% 1.74%
$25,000.00 + Ultimate ** 1.85% 1.83%
$99,000.00 + 1.80% 1.79%
$99,000.00 + Ultimate ** 1.90% 1.88%
$200,000.00 + 1.85% 1.83%
$200,000.00 + Ultimate ** 1.95% 1.93%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 2.10% 2.08%
$500.00 to $24,999.99 2.10% 2.08%
$25,000.00 to $99,000.00 2.20% 2.18%
$25,000.00 + Ultimate ** 2.30% 2.28%
$99,000.00 + 2.25% 2.23%
$99,000.00 + Ultimate ** 2.35% 2.32%
$200,000.00 + 2.30% 2.28%
$200,000.00 + Ultimate ** 2.40% 2.37%
Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 *** 2.40% 2.37%
$500.00 to $24,999.99 2.40% 2.37%
$25,000.00 to $99,000.00 2.50% 2.47%
$25,000.00 + Ultimate ** 2.60% 2.57%
$99,000.00 + 2.55% 2.52%
$99,000.00 + Ultimate ** 2.65% 2.62%
$200,000.00 + 2.60% 2.57%
$200,000.00 + Ultimate ** 2.70% 2.67%

Rates effective as of July 1, 2017 and subject to change.

(APY = Annual Percentage Yield). Not valid for brokered deposits, institutional investors, business accounts or Public Funds. Dividends are compounded daily and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for early withdrawal. Please read the Truth in Savings disclosures for additional information.

*Bump-a-Rate feature is available upon request.
** The Ultimate Checking account is required to be open at the purchase and/or renewal of the certificate to receive this rate.
*** You must be a member of our Money Mammals Kids Club (ages 12 and under) or our VIBZ Teen Club (13 years of age and no more than 19 years of age).

Please read the Truth In Savings disclosure for additional information. Fees could reduce earnings on an account. See the Consumer Schedule of Fees for more information. Rates effective as of July 1, 2017, and subject to change. (APY = Annual Percentage Yield) Not valid for brokered deposits, institutional investors, business accounts or Public Funds.

See our detailed Membership and Account Agreement for General Terms and Conditions, Funds Availability, Electronic Funds Transfer EFT Disclosure, Automated Teller Machine (ATM) Disclosure and Funds Transfer Agreement and Notice. See our detailed Truth In Savings disclosure for full and fair disclosure on all savings and certificate account types as required by federal law effective January 1, 1995. Please feel free to contact a Credit Union employee for further details and account information regarding rates and fees.

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