Certificates

With a Certificate, Your Money Grows at Our Highest Rates 

When it comes to giving your savings a serious boost, take a look at our certificates. Start with as little as $500 (just $100 for kids), choose how long you want to save, and then leave it alone and let our great rates take care of the rest. Certificates help you hit all types of savings goals, such as down payments for a home or vehicle, wedding expenses, or college tuition. And we offer Individual Retirement Account (IRA) Certificate and Health Savings Account (HSA) Certificate options, too. 

• Dividend rates may vary depending on the amount of money you deposit and the term you select
• No signatures or appointments needed to open your certificate
• Strengthen 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
• When the certificate matures, you have 10 calendar days to add or withdraw funds

Please note, there's a penalty for early withdrawals

Make saving simple with Black Hills Federal Credit Union's a personal savings accounts with competitive rates to help you grow your money with confidence, supported by friendly and local service throughout South Dakota and Montana.