Black Hills Credit Union Rapid City SD | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Black Hills, your trusted financial partner in the heart of Rapid City, SD! Located at 850 Mountain View Rd, we have proudly served our community since 1941. With a commitment to member satisfaction and community support, we have grown to serve over 105,000 members with a wealth of resources and personalized services. At Black Hills, we understand that every financial journey is unique. That's why we offer a comprehensive range of products, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. Our total assets now exceed an impressive $2.33 billion, reflecting our strength and stability in the financial landscape. Our dedicated team, led by CEO Jerry Schmidt and Board President Karen Holloway, is here to ensure you receive the best service possible. With 398 employees ready to assist you, we pride ourselves on providing a welcoming atmosphere where your needs come first. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 1420, Rapid City, SD 57709-1420. With total deposits reaching $56,401,782 and cash in hand amounting to $24,192,158, we're positioned to help you achieve your financial goals. Whether you're looking for competitive loan options or convenient online banking services, we've got you covered. Ready to take the next step? Feel free to call us at 605-343-0891 or explore our website at blackhillsfcu.org for more information on how we can help you thrive financially. Join us today and experience the difference with Black Hills!

Branch History & Mission

At Black Hills, we are proud of our rich history and deep-rooted commitment to the community. Founded in 1941, the Mountain View Member Service Center has been a cornerstone of financial support for residents in Rapid City, SD. Over the years, we have evolved from a small cooperative to a significant player in the financial landscape, proudly serving over 105,000 members with total assets amounting to an impressive $2,331,429,590. Located at 850 Mountain View Rd, our branch is easily accessible and close to local landmarks that make it convenient for our members. Whether you're visiting us during lobby hours from 9:00 a.m. to 5:00 p.m. Monday through Friday or using our drive-thru service available until 5:30 p.m., we are here to assist you with all your banking needs. Our mission at Black Hills goes beyond just providing financial services. We aim to empower our members and strengthen our community by offering personalized banking solutions such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our goal is to create lasting relationships built on trust and support. While members can visit us at 850 Mountain View Rd Rapid City Sd 57702, official correspondence should be sent to PO Box 1420, Rapid City, SD 57709-1420. We understand that modern banking needs require flexibility; that's why we offer various digital options including online banking, mobile payments, and e-statements. We also pride ourselves on being accessible to everyone in the community. With ADA compliance in mind, our facilities are designed for ease of access. Our dedicated team works tirelessly not only to meet your financial needs but also to engage in community outreach initiatives that uplift those around us. As we continue to grow and adapt to meet the ever-changing needs of our members, we invite you to join us on this journey. Experience the benefits of being part of Black Hills where your financial well-being is our top priority. Visit us today or call us at (605) 343-0891 to learn more about how we can help you achieve your financial goals!

Branch Location & Accessibility

Welcome to the Black Hills at the Mountain View Member Service Center, conveniently located at 850 Mountain View Rd, Rapid City, SD 57702. This welcoming branch is nestled in a vibrant area, making it easy for you to stop by while running errands or visiting nearby attractions. You'll find us right near popular spots, ensuring that your banking needs fit seamlessly into your day. At our branch, we prioritize accessibility for all members. With ADA-compliant features and convenient parking options, everyone can visit us with ease. Plus, our drive-thru service allows you to complete simple transactions without leaving your vehicle perfect for those on-the-go days! If you're looking to connect with us, feel free to call at 605-343-0891. Our friendly staff is here to help you during lobby hours from 9:00 a.m. to 5:00 p.m., Monday through Friday. For those who prefer an early start, our drive-up hours are available from 7:00 a.m. to 5:30 p.m., Monday through Thursday, and until 7:00 a.m. to 6:00 p.m. on Fridays. While members can visit us at 850 Mountain View Rd, official correspondence should be sent to our mailing address at PO Box 1420, Rapid City, SD 57709-1420. Don't forget about our ATM availability! You can access cash anytime with our on-site ATM services. Whether you need personal banking solutions like checking and savings accounts or loans for your next vehicle purchase, we have a variety of services ready for you. We invite you to drop by and experience the supportive community that Black Hills offers. Let us assist you with your financial journey today!

Member Eligibility

Becoming a member of Black Hills is like joining a close-knit family that's dedicated to your financial well-being. We welcome individuals who live, work, or worship in our community, making it easy for you to connect with us. If you meet these simple eligibility criteria, we'd love to have you on board! As a member, you'll enjoy a range of benefits designed to support your financial goals, from competitive loan rates to personalized service. Opening an account is straightforward and can be done right at our branch located at 850 Mountain View Rd Rapid City Sd 57702. If you have any questions or need assistance, feel free to give us a call at (605) 343-0891. For more detailed information about our eligibility requirements, please check out this resource. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $907 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $392,243,852, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide merchant services that make transactions smooth and efficient. Imagine having a reliable system that allows you to accept payments easily, whether it's through credit cards or digital wallets. Our merchant services empower you to focus on what you do best running your business while we take care of the payment processing. Ready to take your business to the next level? Visit us at 850 Mountain View Rd Rapid City Sd 57702 or call us at (605) 343-0891. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're planning to purchase a car, our Auto Loans & Vehicle Financing options are designed to provide competitive rates and flexible terms. Picture yourself driving off in your new car with confidence knowing that you've secured the best financing available.

Business Banking

Entrepreneurs can take advantage of our Business Banking services, including merchant services and business loans. We understand the challenges of running a business and are committed to providing resources that support growth and success.

Convenient Online & Mobile Banking

Enjoy complete control over your finances with our robust Online & Mobile Banking platforms. From managing accounts and making transfers to setting up alerts and making person-to-person payments, banking has never been more convenient.

Credit Cards with Rewards

Our Credit Cards with Rewards program offers more than just purchasing power; it rewards you for every dollar spent. From travel points to cashback offers, using our credit card means earning benefits while you shop.

Drive-Thru & Basic ATM Services

For quick transactions, we offer basic drive-thru banking where you can make deposits, withdrawals, and simple transactions without needing to enter the branch. Our ATMs also provide easy access for balance checks and cash withdrawals perfect for busy schedules. At Black Hills, we strive to ensure that all our members have the tools they need for financial success. If you're ready to explore any of these services or have questions about how we can assist you further, don't hesitate to reach out! Contact us at (605) 343-0891 or visit us at 850 Mountain View Rd Rapid City Sd 57702 in beautiful Rapid City, SD. Your journey toward better banking starts here!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and at Black Hills, we offer comprehensive Mortgage Loans & Refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team will guide you through the process seamlessly.

Personal Banking

For those seeking day-to-day banking solutions, our Personal Banking services include both checking and savings accounts that fit various lifestyles. Imagine having easy access to your funds through online and mobile banking features, allowing you to manage your money anytime, anywhere. With our ATM availability and cash withdrawal services, you can enjoy the convenience of accessing your funds without hassle.

Personal Loans & Debt Consolidation

For those looking to consolidate debt or cover unexpected expenses, our Personal Loans & Debt Consolidation services can help ease financial burdens. We work with you to find solutions that make sense for your unique situation.

Digital & Online Banking

Accessibility and Ease of Use

We believe that managing your money should be straightforward. Our user-friendly interface ensures that navigating through our online services is intuitive for everyone, whether you're tech-savvy or new to digital banking. With these tools at your fingertips, staying organized and informed about your financial health becomes effortless. With Black Hills, you have everything you need for effective financial management right at home or on the move. Experience the ease and security of modern banking today!

Key Features

One of the standout features is our mobile application. It allows you to access your accounts on the go, making it easier than ever to stay on top of your finances. You can also enjoy the benefits of e-statements, which provide a secure and eco-friendly way to manage your account statements without paper clutter. For those moments when you need to send money quickly, our person-to-person transfer service makes it simple to send cash to friends and family in real-time. Security is always a priority at Black Hills. We use electronic signature authorization for added protection when completing transactions online. This means that you can sign documents digitally with confidence, knowing that your information is secure. Plus, with our mobile payments feature, making purchases using just your smartphone has never been easier or safer.

Financial Strength

Commitment to Growth

With $224,264,335 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $21,311 in used auto loans and $1,764,242,204 in total loans and leases.

Member-Centric Savings Opportunities

Members' savings are secured through $614,736,568 in share certificates and $616,510,730 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,011,830, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $8,888,367, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 396 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $233,163,323, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,000 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Experience

Total Share Accounts stand at 246,661, showcasing a strong and growing member base that trusts us with their finances. Additionally, Net Shares (Funds available for lending and investments): $32,065,816 further highlights our readiness to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Black Hills is your trusted partner. Visit us at 850 Mountain View Rd Rapid City Sd 57702 or call (605) 343-0891 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $384,745,345 in used vehicle loans and $96,774,599 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used car, our team can guide you through the process and help you secure financing that fits your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $392,243,852 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or real estate, our commercial loan products are designed to support your business aspirations.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $48,041,080 in loans helping members manage their finances effectively. These cards come with convenient features that allow for easy tracking of expenses and rewards on purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $89,971,712, make buying or refinancing simple. We offer various mortgage products tailored to different financial situations, ensuring that you find the right fit for your home financing needs.

Refinancing Options

If you're considering refinancing an existing loan, we can help determine eligibility options that may save you money over time. Our refinancing solutions are straightforward and can lead to lower payments or improved loan terms. At Black Hills, we prioritize transparency and accessibility in all our financial products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our diverse loan offerings today by visiting us at 850 Mountain View Rd Rapid City Sd 57702 or calling us at (605) 343-0891 we're here to support you every step of the way!

Loan Aggregator

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BLACK HILLS FEDERAL CREDIT UNION