We Improve Lives
Since Black Hills Federal Credit Union opened its doors in 1941, we’ve been a South Dakota credit union dedicated to providing the great service and excellent products you and your family need to succeed. We’ve helped members buy cars, move into homes, insure their assets, start a business, retire comfortably, and much more.
With 18 locations throughout South Dakota and now into Montana, we’re a full-service credit union passionate about serving our members and improving lives in our community. Our friendly, knowledgeable financial and lending experts are here to help you reach your personal and financial goals.
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 helping people, we maintain a simple premise:
Those we interact with will receive equal and just treatment, devoid of intolerance, 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.
Additionally, we’re committed to helping people through our a 501(c)(3) nonprofit organization working to improve lives in our communities.
A Legacy of People Helping People
Open Soon
Monday: 9:00 AM – 5:00 PM
Tuesday: 9:00 AM – 5:00 PM
Wednesday: 9:00 AM – 5:00 PM
Thursday: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 5:00 PM
Saturday: Closed
Sunday: Closed
Reviews
TROY LINDHOLMJune 16th 2026Peyton at this branch has been simply amazing to work with and has made me comfortable and welcomed as I have recently made the switch to BHFCU from another bank.
Her professionalism and knowledge make her a huge asset and overall she deserves a five star rating in knowledge, customer service and overall amazing banking skills. Thank you !
AUSTIN WOLFMay 15th 2026I worked with a gentleman named Caleb Gibson, incredibly helpful and polite. If I could give six stars I would. Great customer service; hang on to this guy!
LUNA SPROCKFebruary 17th 2026This bank rocks!! Coffee always on.
I am always greeted Promptly. attend to my banking issues.
CASEY HATCHFebruary 3rd 2020I needed a unique loan for the purchase of my home and ERIC ANDERSON from BHFCU not only helped me but made it quick, easy and seamless. I truly appreciate his professionalism and attention to detail. I intend to be a customer for life! Thanks Eric!
GENXGRAMMAFebruary 14th 2025Adam B. is a tremendous asset at the E. 10th location, I don't mind not having in-person tellers like some complain of. The system is easy to use and I like it, no problems. I don't use the bill pay system though, so I can't comment on that. Overall a very pleasant experience. Thanks!
DOUGLAS CHRISTENSENOctober 11th 2025So glad BHFCU has a branch in Sioux Falls. I have been a member since 1979 in Rapid City. 46 years and I have never had a bad experience! The new Cash Back card is awesome. I have taken out and paid off many loans over the years and their rates are as good as any bank around! Friendly staff and tellers and managed very well. Keep up the good work and support for all the members at all branch locations!👍😃❤️
JOHN BUCKJuly 21st 2025I stopped by there for some information regarding my financial situation. The lady was very nice, friendly and helpful, but I do question the time it took to see me initially. She could have passed on making small talk with people coming into the lobby while I was waiting for her in her office.
My two minor critiques were, minor. I would not hesitate to see her again for my banking needs.
AMY STOCKBERGERJuly 15th 2025Black Hills Federal Credit Union turns banking into a personal, community-driven experience. With a caring team and a focus on putting people first, they make managing your finances feel easy and genuinely supportive.
L WOODSFebruary 14th 2025Adam B. is a tremendous asset at the E. 10th location, I don't mind not having in-person tellers like some complain of. The system is easy to use and I like it, no problems. I don't use the bill pay system though, so I can't comment on that. Overall a very pleasant experience. Thanks!
BITTY GWALLAFebruary 13th 2025I needed to open up a bank account 🤑 and here's how it went... Boda Bing✔️ Boda Boom 💥!
If you want luxury banking 🏧
hit Black Hills ‼️
ROTATORWRECKER-180September 22nd 2024Atm are great
CURTIS RABENBERGApril 5th 2019This is a truly great place to bank and I absolutely love doing business with them. The staff is friendly, And there is no waiting and no hassles. I would highly recommend that anybody become a member and start banking here.
JUNA SLEEP SYSTEMSMarch 22nd 2019If you are considering a new Credit Union I would strongly recommend Black Hills Federal! I recently used Candice for a mortgage, and couldn't have been happier with my experience!
RAPID ROOTERDecember 17th 20245 Stars plus a Dozen........
What a great experience, we love our branch in Rapid City. We reached out to them for a business loan for 2 new vans. Later in the day Jeremy reached out to us from the Sioux Falls branch and informed us that our hometown bank did not have a business loan officer available right now, and that he could help us. We started on Friday and the fallowing Monday we were moving our new vehicles to the shop. Jeremy did an awesome job and took online banking to another level. He made it so easy; it was unbelievable. Jeremy hats off to you and thank you for the great experience from a distance.
MICHAEL DAHLJune 3rd 2024Very helpful staff 👏
JUSTIN MApril 27th 2024Worked with Caleb. He does rotate branches but he was Awesome to work with! Love working with a credit union!
SARAH GApril 26th 2024Customer service has been great in person. Everyone is friendly at this location. (I only really have visited this one). Customer service via phone isn't terrible but wouldn't say outstanding as of yet. The teller option was different for me, but after using it I really did like it. I bank at BHFCU when I lived in Rapid City many years ago, but once I realized they were in Sioux Falls I was glad to go back!
NICHOLAS DENDANTONovember 2nd 2023
BOBBY WHITTAKERDecember 4th 2019I have used several of the locations and every person from the entrance to the loan officers is first class and do a great job . They know my name and help me feel welcome at all times !! 5 stars in my book and the internet banking is superb and second to none .
JAIME SPOMERMarch 28th 2023My car loan and savings account are here, and I absolutely love this place. They are open on drive through longer than most banks, and the tellers are always so friendly and helpful. Bill helped me today and made my day a little brighter with his kindness and efficiency. Highly recommend to anyone looking for a financial institution!
VATHEZ WILLIAMSApril 22nd 2023The staff are always will to help you. They are very nice and respectful to the customers.
AMBER HUNNELJune 1st 2023I love this ATM. It's always clean and operating. Also, no fees for cashapp and venmo withdrawals. You can withdraw in increments of 5$ which is so convenient.
RYAN GILLApril 28th 2017Staff is friendly, cheerful and very knowledgeable. The drive-up atm is good for fee-free withdrawals for members of other credit unions but deposits must be made inside. The fee for all others to withdraw cash from the atm is $2.
DADLIFE 605March 25th 2020I wanted to give a shout out to Josh and Eric in the Sioux Falls BHFCU location for going above and beyond to make my mortgage refi easy and really give me the white glove service. They have been excellent communicators and have went out of their way to take care of me.
COLE SCHLUMBOHMAugust 23rd 2022This 5-star review is a direct result from the relentless support Chris Pedde has showed me over the years. He genuinely has my best interests in mind and will go above-and-beyond to explain all of my options. Chris has gone from a stranger to someone I consider a friend and I highly recommend BHFCU because of his efforts and support.
MIKE WALDRENMay 30th 2023I just popped in quick to get some cash from a shared credit union. I didn't catch the employees name, sorry, but she was super helpful! In and out in like 3 minutes. Thanks so much! Will definitely use yall again if I need to!
JOHNNY NUNYODecember 15th 2020This bank is awesome. Great rates and they have awesome tools for money management. The ATMs are great with their virtual tellers and them bring stationed in Rapid City they are open longer than most other banks.
