Start building for the future

No matter what savings goals you have, Black Hills FCU helps you get there with some of the best savings rates available among South Dakota credit unions and banks. Find the account that works for you and get going.

Regular, Money Mammal, VIBZ Account
  • Dividends compounded and credited monthly
  • $25.00 Minimum Daily Balance required to earn the stated APY
APY Dividend Rate
Minimum Opening Deposit $25.00 .20% .20%
  • Dividends compounded and credited monthly
  • No Minimum Daily Balance required to earn the stated APY
  • Minimum Opening Deposit: $0.00
APY Dividend Rate
$0.00 to $4,999.99 .20% .20%
$5,000.00 to $24,999.99 .30% .30%
$25,000.00 to $49,999.99 .35% .35%
$50,000.00 to $89,999.99 .40% .40%
$90,000.00 + .45% .45%
  • Dividends compounded and credited monthly
  • Minimum Opening Deposit: $2,500.00
  • Minimum Daily Balance of $2,500.00 to avoid monthly service fee
  • No minimum daily balance required to earn the stated APY
APY Dividend Rate
$0.00 to $2,499.99 .00% .00%
$2,500.00 to $4,999.99 .20% .20%
$5,000.00 to $24,999.99 .35% .35%
$25,000.00 to $49,999.99 .40% .40%
$50,000.00 to $89,999.99 .50% .50%
$90,000.00 + .55% .55%
  • Dividends compounded and credited monthly
  • No minimum Daily Balance required to earn the stated APY
  • A initial deposit of $100 is preferred. Alternatively, 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
APY Dividend Rate
Minimum Opening Deposit $100.00 1.25% 1.24%

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 September 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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