Become a Member

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  • Everyone is eligible to apply
  • Once a member, always a member
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At Black Hills Federal Credit Union, Membership Means Opportunity

It's easy to find a big-box bank. But do they really care about you beyond your money? If you're looking for a financial institution staffed with people who care about strong relationships and community, BHFCU offers a different experience. 

A not-for-profit credit union that's focused on you.

Earn More

We offer better rates on loans, deposits, and savings – all because we're a not-for-profit owned by members. Any profits we earn come back to members through reduced loan rates, higher deposit rates, and free services.

Pay Less

We don't answer to stockholders. We're led by a volunteer Board of Directors and answer to you, prioritizing your financial needs. That means eliminating fees or, at least, keeping them to an absolute minimum.

Full Service

Whatever you need to reach your financial goals, you'll find the resources at BHFCU. Our friendly, knowledgeable financial and lending experts can help you find the perfect products and services for your personal or business needs.

Safe and Secure

Manage your money confidently, knowing your funds are insured by the National Credit Union Administration.

Better Treatment
You're part of our family

As a valued member, you can expect to be treated the right way. We focus on providing the best member-service experience possible.

Everyone Can Apply

Once you join, you’re always a member, even if you're nowhere near our locations in South Dakota and Montana.

Already a Member?
Add a membership or account.

If you aren't redirected, select "Open a New Account" from the "More" menu in the mobile app or online banking.

New to BHFCU?

Non-members and current joint-members get started here.

We Make It Easy for You to Make the Switch 
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Frequently Asked
Questions

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Everyone is eligible to apply for BHFCU membership. Once approved and established as a member, you can access BHFCU’s eligible accounts, loans, digital banking tools, and other financial services.

If you’re new to BHFCU or currently listed only as a joint member, select “Open an Account” to begin the membership application online.

Log in to Online Banking or the BHFCU mobile app and select “Open a New Account” from the “More” menu. If you haven’t registered for Online Banking, you can use the account-opening link provided on the membership page.

More to Explore

Resources to help you make smart money moves.
3 Unique Benefits of Credit Unions
Serving the best interests of members is what sets credit unions apart from banks.
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News & Events
Check out the latest from BHFCU and learn about local events.
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Schedule an Appointment
Make an appointment at a local South Dakota or Montana branch  near you.
Get started
FAQs
Explore frequently asked questions about accounts, loans, and digital banking.
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