Let a certificate help you save faster

Whether your savings goals are short-term (like building a safety net) or long-term (like planning for retirement), our Certificate Special can help you meet those goals quicker!

Lock in a Higher Rate

  • 14-month Certificates feature a higher rate
    to save nearly four times faster

  • 14-month Certificate: 4.00% APY*

Become a member today! You are eligible.


Open a membership

More on Certificates

  • Terms range from 6 months to 8 years
  • Bolster your short-term savings with our regular Certificates
  • Create a revenue stream for retirement with our IRA Certificates
  • Save for the rising cost of healthcare with our HSA Certificates


Certificate Rates

Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 ** 4.00% 3.92%
$500.00+ 4.00% 3.92%

*At maturity, the certificate will renew to a 12-month certificate at the rate that is effective at the time of maturity. 

*Rates stated as Annual Percentage Yield (APY). Not valid for brokered deposits, institutional investors, business accounts or Public Funds. Dividends are compounded daily and credited monthly. A penalty may be imposed for early withdrawal. Rates are accurate as of November 1, 2022. A minimum opening balance of $500.00 is required. At maturity, the certificate will renew to a 12 month certificate at the rate that is effective at the time of maturity. Fees or other conditions could reduce the earnings on the account. Call 800.482.2428 for more information. Black Hills Federal Credit Union membership is required. Offer subject to change without notice. Federally insured by NCUA.