Open the door to opportunity
When you're ready to buy a home in South Dakota or spruce up your little piece of paradise, turn to Black Hills FCU for competitive rates on all sorts of home mortgage options.
For questions about mortgages and mortgage rates, please call our mortgage team directly at 605.858.6520 or fill out the form below.
Manufactured Homes
To qualify for a mortgage loan, a manufactured home must be classified as real property, which requires being permanently affixed to a foundation. The home must be attached to land owned by the borrower. Subject collateral must be constructed post-1976.
If the house is not yet classified as real property, other qualifications, restrictions, or criteria may apply.
Contact Our Mortgage Department
Invest in your home.
| Term | Term Type | Platinum
760 and over |
Premier Plus
720-759 |
Premier
680-719 |
Standard
640-679 |
Value
600-639 |
Rebuilder
599 and under |
|---|---|---|---|---|---|---|---|
| 0-60 Months | APR | 8.90% | 9.15% | 9.41% | 9.91% | 11.92% | 13.93% |
| 0-60 Months | Rate | 8.40% | 8.65% | 8.90% | 9.40% | 11.40% | 13.40% |
| 61-120 Months | APR | 8.81% | 9.27% | 9.52% | 10.02% | 12.03% | 14.04% |
| 61-120 Months | Rate | 8.54% | 8.99% | 9.24% | 9.74% | 11.74% | 13.74% |
| 121-180 Months | APR | 8.94% | 9.39% | 9.64% | 10.15% | 12.16% | 14.17% |
| 121-180 Months | Rate | 8.74% | 9.19% | 9.44% | 9.94% | 11.94% | 13.94% |
Enjoy great rates!
| Term | Platinum APR 760 and over |
Premier Plus APR 720-759 |
Premier APR 680-719 |
Standard APR 640-679 |
Value APR 600-639 |
Rebuilder APR 599 and under |
|---|---|---|---|---|---|---|
| APR | 7.25% | 7.50% | 7.75% | 8.25% | 10.25% | 12.25% |
| Rate | 7.25% | 7.50% | 7.75% | 8.25% | 10.25% | 12.25% |
Rates effective as of January 1, 2026 and subject to change without notice.
(APR = Annual Percentage Rate)
Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application! Loan Payment Example: At 8.00% annual percentage rate (APR) for a 180 month term with 0% down, monthly payments are calculated at $9.56 per $1,000.00 borrowed. Not all borrowers will qualify for lowest APR. To find out if you qualify, call BHFCU at 605-718-1818 or 1-800-482-2428.
*Rates stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Add 1% to interest rate on loans of 90% loan to value ratio or greater based on appraisal. Estimated fees payable to third parties and/or BHFCU to open the plan vary and range from $726 to $2,000, not including title insurance, if required. Property insurance is required. Rate subject to change without notice. Some restrictions apply. The APR calculation is based on a $50,000 loan amount with an average fee of $857 and the maximum term allowable.
**Rate stated as Annual Percentage Rate (APR). Rate may vary depending on credit history. Rates are variable and are subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal and is changeable on the first day of each month. The minimum APR that will apply during the plan is 4.00% and the maximum APR is 18.00% or the maximum allowed by law, whichever is less. Add 1% to interest rate on loans with a 90% or greater loan to value ratio based on the appraisal of the property. Estimated fees payable to third parties and/or BHFCU to open the plan vary and range from $726 to $2,000, not including title insurance, if required. Property insurance is required. Some restrictions apply. Fixed-rate, closed end loans available. Rate subject to change. Please call 605-718-1818 or 800-482-2428 for details.
A 1% reduction in the Value and Rebuilder interest rates on automobile, recreational vehicles, personal, mobile homes, and home equity loans, will be given to those members who have successfully completed the Credit When Credit Is Due course. This discount does not apply to first mortgages, line of credit loans, or credit cards.
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