Big plans deserve big rates

Whether you’re saving for a big purchase, life event, or adventure, our Certificates make it easy to grow your money fast!

Lock in a Higher Rate

  • 12-month Certificates now feature a higher rate at 5.25% APY*

  • Looking for something shorter or longer term? From 3 months to 96, our rates have increased across the board.

Become a member today! You are eligible.

 

Open a membership

More on Certificates

  • Terms range from 3 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
  • Highest rate savings option
  • Varying rates based on term length
  • Good for long-term savings (home down payment, wedding, college)

 

Certificate Rates

Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 ** 4.50% 4.40%
$500.00+ 4.50% 4.40%

12-Month Certificate

Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 ** 5.25% 5.12%
$500.00+ 5.25% 5.12%

*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 August 1, 2023. 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.

**You must be a member of our VIBZ Kid$ Club (ages 12 and under) or our VIBZ Teen Club (13 years of age and no more than 19 years of age)