Our Current Certificate Rates Help You Maximize Your Savings
Choose your term, lock in your rate, and watch your savings grow effortlessly in a BHFCU Certificate. We have some of the most competitive certificate rates in South Dakota, all focused on helping you reach your financial goals, whether that's preparing for retirement, saving for medical expenses, or something else.
|
Certificate Type
|
Minimum Opening Balance
|
Annual Percentage Yield
|
Dividend Rate
|
|---|---|---|---|
| 3-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 6-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 9-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 12-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 18-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 24-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 30-Month - Bump-a-Rate Available* | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 36-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 48-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% | |
| 60-Month | $100.00 to $499.99 ** | 4.00% | 3.92% |
| $500.00+ | 4.00% | 3.92% |
Black Hills Federal Credit Union members earn better, competitive rates on loans, checking and savings accounts. Become a member today to lock in your rate now.
Enjoy predictable growth and competitive rates when you open a certificate.
Rates effective as of October 1, 2026 and subject to change.
(APY = Annual Percentage Yield). Dividends are compounded daily and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for early withdrawal. Please read the Truth In Savings disclosure for additional information. Fees could reduce earnings on an account. See the Consumer Schedule of Fees for more information. Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
*Bump-a-Rate feature is available upon request.
** You must be a member of our VIBZ Kid$ Club (ages 12 and under) or our VIBZ Teen Club (13 years of age and no more than 18 years of age).
See our Funds Availability, Electronic Funds Transfer EFT Disclosure, and our detailed Certificate Rates and Disclosures for full and fair disclosure on all Savings and Certificate account types as required by federal law effective January 1, 1995. Please feel free to contact a Credit Union employee for further details and account information regarding rates and fees.
