Join The Credit Union Family

We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people healping people, we maintain a simple premise.


Those we interact with with will receive equal and just treatment, devoid of intolerence, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world.


Jerry Schmidt

President an CEO

As a not-for-profit we're here to help our member-owners meet their individual and business goals. We value your membership and appreciate the opportunity to provide you with an outstanding financial experience.

Welocme to BHFCU!

See What Black Hills Federal Credit Union Offers!


Auto & Recreational Loans

  • Cars, trucks & SUVs
  • Motorcycles
  • Recreational Vehicles
  • Campers & Trailers

Home Loans

  • Up to 100% Financing Options
  • Low to No Down Payment
  • All-In-One Construction
  • Home Equity & HELOC

Business Loans

  • Start Up Business Loans
  • SBA Loans
  • Commerical Real Estate
  • New & Used Equipment

Anywhere Anytime

We're dedicated to providing the technology, service, and conveniently located Member Service Centers you need to manage your money.


Online & Mobile Banking

Mobile Banking

  • Mobile Deposit
  • Pay People
  • Mobile Wallet
  • Money Managment
  • Credit Score
  • Popmoney


Online Banking

  • Online Payments
  • Bill Pay
  • eStatements
  • Money Management
  • Popmoney
  • Account-2-Account Transfers


Download Our Mobile app





Money Management

Take Charge of your finances

Bring all of your accounts, from savings and checking, to loans, mortgages, 401Ks, and more, together for the first time. See a 360 view of your finances so you can set goals, manage budgets, categorize your spending, view net worth, and monitor your cash flow from month to month.


Set and track goals like building your savings or paying off debt and the timeline you want to achieve them.


Your purchases are also categorized (gas, groceries, fast food, etc.) to make them easier for you to review.


Set up text and email notifactions to remind you when payments are due or an account is getting low.

360 View

View all of your finances, even accounts, loans, credit cards, and tetirement funds from other institutions, in one convenient place.


Credit Monitoring

Take control of Your Credit

Simplify your financial journey with free credit monitoring from BHFCU! Access score updates, set up credit monitoring alerts, receive instant offers, and more. Plus, check your credit report on-demand, without impacting your score. Get started in Online Banking or our Mobile App.

Credit Score

View and monitor your credit score daily, see what makes up your score, and see what's effecting your credit score most.

Credit Report

View open and closed credit accounts, most recently reported balance, remaining term, credit limit, payment history and more.


Set up alerts to be notified of major changes to your credit report, including newly opened accounts and new inquiries on your credit.

Credit Tips

Whether it's healthy financial habits or maintaining and rebuilding your credit, find great tips.



Financial Future

"We're passionate about helping you achieve your financial goals. Form attending college to owning your own business, we provide accounts for every stage of life."


Savings Accounts

  • Simple Savings
  • Youth & Teen Savings
  • IRA Savings
  • Money Market

Checking Accounts

  • Personal Checking
  • Overdraft Protection
  • ATM Access
  • eStatements

Savings Certificates

  • Great Rates
  • 3 Month to 8 Year Terms
  • IRA Certificates
  • HSA Certificates



Tap For A Teller

Expanded Service & Banking Hours

Just tap the screen to talk to a bhfcu teller at any of our conveniently located Interactive Teller Machines (ITMs)

  • Drive-Up ITMs > M-F 7am - 7pm | Sat 8am -1pm
  • ATM Service > 24/7

Shared Branching + CO-OP & Money Pass ATM Networks

BHFCU Members have access to over 7,000 shared branches and a 60,000 nationwide surcharge-free ATM network. Look for the Co-op and MoneypPass logos for 6 free ATM withdrawals and transfer per month.

Find your nearest BHFCU location

Black Hills Federal Credit Union Member Service Centers provide in-branch and ATM services that allow you to access and manage your money quickly. Our friendly, knowledgeable staff are here to help with the products, services, and resources you need to reach your financial goals.

BHFCU Credit Cards

Great Rates & Services + Reward Options

When it comes to accessing your money, we offer the convenient card options and the personalized service you expect from a world-class financial institution.

Cash Back 

If cash is your thing, we have a card that earns you 1.5% Cash Back on your everyday purchases*.

Signature Rewards

This rewards card will earn you points on your purchases* that can be used towards travels, gift cards, and much more.


This card blends our best rate with the trust that comes with all BHFCU products and services.


*Qualifying purchases are purchases less returns, credits, and adjustments. Purchases do not include cash advances, balance transfers, unauthorized or fruadulent charges, account fees, and interest charges. Terms and conditions subject without notice. Additional restrictions apply. 




BHFCU Expanded Services 


BHFCU Insurance

  • Personal Auto
  • Homeowners
  • Business
  • Condo
  • Renters
  • Flood
  • Boat, RV, & Travel Trailer
  • Unbrella Libility

Black Hills Investment Services

  • Investments
  • Annuities
  • Life Insurance Products
  • Group Retirement Plans
  • Long-Term Care
  • Investment Planning
  • College Savings Plans

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Black Hills Federal Credit Union and Black Hills Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.


Not NCUA Insured No Credit Union Guarantee May Lose Value