Open the door to opportunity

When you're ready to buy a home in South Dakota or spruce up your little piece of paradise, turn to Black Hills FCU for competitive rates on all sorts of home mortgage options.

We understand buying a home is among the most important purchases you'll make. Our mortgage experts are experienced professionals who are prepared to help you through the process from choosing the right loan product to closing. For current Mortgage Rates, click here.

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Invest in your home.

Term Platinum APR
760 and over
Premier Plus APR
720-759
Premier APR
680-719
Standard APR
640-679
Value APR
600-639
Rebuilder APR
599 and under
0-60 Months 4.49% 4.74% 4.99% 6.24% 8.24% 10.24%
61-120 Months 5.49% 5.74% 5.99% 7.24% 9.24% 11.24%
121-180 Months 5.99% 6.24% 6.49% 7.74% 9.74% 11.74%

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Amortization, Balloon in 5 years

Term Platinum APR
760 and over
Premier Plus APR
720-759
Premier APR
680-719
Standard APR
640-679
Value APR
600-639
Rebuilder APR
599 and under
Up to 20 Years 5.25% 5.50% 5.75% 7.00% 9.00% 11.00%

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Check out our great rates!

Term Platinum APR
760 and over
Premier Plus APR
720-759
Premier APR
680-719
Standard APR
640-679
Value APR
600-639
Rebuilder APR
599 and under
0-60 Months 3.74% 3.99% 4.24% 5.49% 7.49% 9.49%
61-120 Months 5.49% 5.74% 5.99% 7.24% 9.24% 11.24%
121-180 Months 5.99% 6.24% 6.49% 7.74% 9.74% 11.74%

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Enjoy great rates!

Term Platinum APR
760 and over
Premier Plus APR
720-759
Premier APR
680-719
Standard APR
640-679
Value APR
600-639
Rebuilder APR
599 and under
Not Applicable 4.00% 4.00% 4.00% 4.25% 6.25% 8.25%

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Term Platinum APR
760 and over
Premier Plus APR
720-759
Premier APR
680-719
Standard APR
640-679
Value APR
600-639
Rebuilder APR
599 and under
New to 4 Years
180 Months 9.50% 9.75% 10.00% 11.25% 13.25% 15.25%
5 to 8 Years
144 Months 9.50% 9.75% 10.00% 11.25% 13.25% 15.25%
9 to 14 Years
120 Months 10.50% 10.75% 11.00% 12.25% 14.25% 16.25%
15 Years and Older
72 Months 12.50% 12.75% 13.00% 14.25% 16.25% 18.00%
  • Note: 80% of purchase price or book value, whichever is lower.
  • Loan Payment Example: At 9.90% annual percentage rate (APR) for a 180 month term with 0% down, monthly payments are calculated at $10.68 per $1,000.00 borrowed.*
  • *Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call BHFCU at 605-343-0891 or 1-800-482-2428. A 1% reduction in the Value and Rebuilder interest rates will be given to those members who have successfully completed the Credit When Credit is Due course.
  • Note: Closing costs may increase the APR on real estate loans.
  • Some restrictions apply

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Rates effective as of March 1, 2017 and subject to change without notice.

(APR = Annual Percentage Rate)

Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!Loan Payment Example: At 6.14% annual percentage rate (APR) for a 180 month term with 0% down, monthly payments are calculated at $8.52 per $1,000.00 borrowed. Not all borrowers will qualify for lowest APR. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428.

*Rates stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Add 1% to interest rate on loans of 90% loan to value ratio or greater based on appraisal. Estimated fees payable to third parties and/or BHFCU to open the plan vary and range from $275 to $1,000, not including title insurance, if required. Property insurance is required. Rate subject to change without notice. Some restrictions apply.

**Rate stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Rates are variable and are subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal and is changeable on the first day of each month. The minimum APR that will apply during the plan is 4.00% and the maximum APR is 18.00% or the maximum allowed by law, whichever is less. Add 1% to interest rate on loans with a 90% or greater loan to value ratio based on the appraisal of the property. Estimated fees payable to third parties and/or BHFCU to open the plan vary and range from $275 to $1,000, not including title insurance, if required. Property insurance is required. Some restrictions apply. Fixed-rate, closed end loans available. Rate subject to change. Please call 605-718-1818 or 800-482-2428 for details.

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