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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 Now

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


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.