Savings Rates

Strengthen Your Financial Foundation
Open an Account Savings Accounts

Our Current Savings Rates Help You Build Up Your Reserves

Save for a specific purchase, build your emergency fund, or plan for retirement. It's all possible with BHFCU. As a not-for-profit cooperative, we offer strong savings rates. Find the account that works for you and get started.

Effective Date: October 1, 2026
Share Type
Minimum Opening Deposit
Annual Percentage Yield
Dividend Rate
Regular Share $5.00 0.05% 0.05%
VIBZ KID$ Share $5.00 0.05% 0.05%
VIBZ Account $5.00 0.05% 0.05%
  • Dividends compounded and credited monthly
  • $25.00 Minimum Daily Balance required to earn the stated APY
Effective Date: October 1, 2026
Daily Balance Tier Required to Obtain Applicable APY
Annual Percentage Yield
Dividend Rate
$0.00 to $9,999.99 0.70% 0.70%
$10,000 to $49,999.99 0.95% 0.95%
$50,000.00 to $99,999.99 1.15% 1.14%
$100,000 to $249,999.99 1.65% 1.64%
$250,000 to $499,999.99 2.20% 2.18%
$500,000 to $749,999.99 2.45% 2.42%
$750,000 to $999,999 2.90% 2.86%
$1M + 3.15% 3.11%
  • Dividends compounded and credited monthly
  • No minimum daily balance required to earn the stated APY
Effective Date: October 1, 2026
Share Type
Minimum Opening Deposit
Annual Percentage Yield
Dividend Rate
IRA Share $100.00 0.65% 0.65%
HSA Share $100.00 0.65% 0.65%
  • Dividends compounded and credited monthly
  • No minimum Daily Balance required to earn the stated APY
  • A initial deposit of $100 is preferred. Alternatively, an initial deposit of $5.00 and an automatic deposit of $5.00 biweekly or $10.00 monthly will allow you to open the account

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.

High Interest Savings
Give Your Savings a Glow-Up

Watch your money do more with a high-yield saving account that helps every dollar shine a little brighter.

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. Rates effective as of October 1, 2026, and subject to change. (APY = Annual Percentage Yield) Not valid for brokered deposits, institutional investors, business accounts or Public Funds.

See our General Terms and Conditions, Funds Availability, Electronic Funds Transfer EFT Disclosure, Automated Teller Machine (ATM) Disclosure and Funds Transfer Agreement and Notice. See our detailed Truth In Savings disclosure 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.

Pages within: