4.00% APY* Certificate

Earn more with a certificate! 4.00% APY for terms of 3 months to 5 years.

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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
  • BHFCU Certificates now feature a higher rate at 4.00% APY*
  • Looking for a term that fits your needs? From 3 months to 5 years, our rates have increased across the board.
  • Good for many savings goals (home down payment, wedding, college)
  • Minimum opening deposit: $500 for regular members and $100 for Vibz members**
More on Certificates
  • Terms range from 3 months to 5 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

Explore Your Options

Future Certificate Value
​Calculate how your savings would grow over time.
Certificate Rates
We have some of the most competitive certificate rates in South Dakota, all focused on helping you reach your financial goals.

*Rates stated as Annual Percentage Yield (APY). Accurate as of March 1, 2025. Call 605.718.1818 or 800.482.2428 for more information. Some restrictions apply. 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 17 years of age)