Black Hills Credit Union Sioux Falls SD | Affordable Auto Loans & Mortgage Refinancing

Introduction

Welcome to Black Hills, your trusted partner in financial well-being right here in Sioux Falls, SD! Since our establishment in 1941, we have proudly served our community with a commitment to providing exceptional banking services tailored to your needs. Located at 921 W 10th St, we invite you to discover how our member-focused approach can make a difference in your financial journey. As part of the Black Hills Federal Credit Union family, we have grown significantly over the years, now boasting a membership of over 105,311 individuals who rely on us for their banking needs. Our total assets amount to an impressive $2,331,429,590, reflecting our stability and dedication to serving you. With total deposits reaching $56,401,782 and a net worth of $233,163,323, you can trust that your money is safe with us. Led by our CEO, Jerry Schmidt, and Board President Karen Holloway, our team of 398 employees is committed to delivering personalized service that puts you first. Whether you're looking for auto loans, mortgages, or personal banking solutions, we are here to help you achieve your financial goals. While members can visit us at 921 W 10th St, official correspondence should be sent to our mailing address: 921 W 10th St, Sioux Falls, SD 57104-3519. Have questions or need assistance? Don't hesitate to reach out! You can call us at 605-937-4600 or visit our website at http://www.blackhillsfcu.org for more information. Join us today and experience the Black Hills difference a credit union that truly cares about its members and the community!

Branch History & Mission

A Commitment to Progress

Since opening our doors, we have embraced technological advancements to enhance member experiences. Today, we offer features such as online banking and mobile payments to ensure that our members can manage their finances conveniently. We're also proud of our commitment to ADA compliance, making sure that all members can access our services without barriers. While you can always reach us at our physical location, official correspondence should be directed to 921 W 10th St, Sioux Falls, SD 57104-3519 if different from our branch address. Additionally, our drive-thru service and ATM availability allow for easy transactions on the go.

Join Us

With total assets reaching over $2.3 billion, Black Hills is equipped to support your financial needs while keeping community at the heart of what we do. Whether you're looking for personal loans or business banking solutions, we're here for you every step of the way. We invite you to visit us during our operating hours Monday through Friday from 7:30 AM to 6:30 PM and Saturday from 9:00 AM to 1:00 PM or give us a call at 605-937-4600. Experience the difference that comes with being a member of Black Hills today!

Our Mission

Our mission at Black Hills is simple yet powerful: to provide exceptional financial services while fostering community support. We believe in empowering our members with the tools they need for financial success. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we aim to make banking accessible and beneficial for everyone. As part of our dedication to community involvement, we actively participate in outreach efforts that uplift and support local organizations and initiatives. We understand that financial health goes hand in hand with community well-being, which is why we strive to be more than just a credit union; we want to be a partner in your journey.

Branch Location & Accessibility

Easy Access and Nearby Landmarks

You can easily spot us by looking for nearby landmarks like the bustling Falls Park and the scenic Big Sioux River. Our branch offers ample parking, making it simple to stop by for your banking needs. Plus, we prioritize accessibility with features such as ramps and ADA-compliant entrances, ensuring everyone can visit us without hassle.

Operating Hours That Fit Your Schedule

We know life can get busy, so we've designed our operating hours to fit your schedule. Join us Monday through Friday from 7:30 AM to 6:30 PM, and on Saturday from 9:00 AM to 1:00 PM. Whether you're dropping in for a quick transaction or need some assistance with your accounts, we're here when you need us.

Reach Out Anytime

Have questions or need assistance? Feel free to give us a call at 605-937-4600. Our friendly team is eager to help you make the most of your banking experience! Come visit us today at Black Hills on 10th Street we can't wait to welcome you!

Services Tailored for You

At Black Hills, we offer a variety of services designed with you in mind ranging from personal banking options like checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards. Need cash on the go? Enjoy the convenience of our ATM services right here at our branch. And if you prefer to bank from your car, our drive-thru service is ready to help with deposits and withdrawals. If you're part of a partner credit union, don't worry! We also provide shared services so that you can complete basic transactions effortlessly. While members can visit us at 921 W 10Th St, official correspondence should be sent to our mailing address at 921 W 10th St, Sioux Falls, SD 57104-3519.

Member Eligibility

At Black Hills, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the Sioux Falls area, you're already eligible to join our family. Whether you're looking for personal banking solutions or planning your next big purchase, joining us opens the door to exclusive benefits tailored just for you. We pride ourselves on offering competitive rates and personalized service that puts your needs first. Ready to take the next step? It's easy to become a member at Black Hills. Just visit us at 921 W 10Th St Sioux Falls Sd 57104 or give us a call at (605) 937-4600 for more information. You can also check out our eligibility criteria in detail by visiting this link. We're here to help you every step of the way!

Business Banking & Commercial Services

Loan Options to Fuel Growth

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 That Make a Difference

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. Imagine having the ability to accept various forms of payment quickly and securely, allowing you to focus on what you do best serving your customers. Our services ensure that transactions are smooth, so your business can run efficiently. Visit us at 921 W 10Th St Sioux Falls Sd 57104 in Sioux Falls, SD, or call us at (605) 937-4600 to learn how we can partner with you on your journey towards success. Together, we can build a brighter future for your business!

Comprehensive List Of Services

Business Banking Made Easy

If you're a business owner, we haven't forgotten about you! Our Business Banking services include merchant solutions and business loans tailored to help you grow and succeed. We know how important it is for businesses to have reliable financial support, and we're here to provide just that.

Cash Access When You Need It

Need cash? Our ATM & Cash Withdrawal Services ensure that funds are readily available whenever necessary. You can also take advantage of our basic drive-thru banking for quick deposits or withdrawals without having to step inside the branch. Additionally, if you're a member of a partner credit union, our shared branch transactions allow you to deposit or withdraw funds seamlessly. At Black Hills, we pride ourselves on being more than just a financial institution; we're part of the community. Our goal is not only to provide excellent service but also to ensure that every member feels valued and supported in their financial journey. For any questions or assistance regarding our services, feel free to reach out at (605) 937-4600 or visit us at 921 W 10Th St Sioux Falls Sd 57104. We look forward to serving you!

Convenient Digital Services

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options, allowing you to manage your accounts anytime, anywhere. Whether you're paying bills, transferring money between accounts, or checking your balance on the go, our digital banking features make it easy and secure.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer Personal Banking services such as checking and savings accounts that help you keep track of your money easily. If you're thinking about getting a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing options are designed to make the process straightforward and affordable. For those looking to purchase a home, our Mortgage Loans & Refinancing can guide you through the steps, ensuring you find the best solution for your situation.

Support for Your Financial Goals

Life can throw unexpected expenses your way. Our Personal Loans & Debt Consolidation services can provide you with the funds you need while helping manage existing debts effectively. Plus, with our Credit Cards with Rewards, you can earn benefits on purchases you already make, making every dollar work harder for you.

Digital & Online Banking

At Black Hills, we understand that managing your finances should be as easy and secure as possible. That's why we offer a range of digital and online banking services designed to keep you connected to your money whenever you need it. With our online banking platform, you can take control of your accounts 24/7, right from the comfort of your home or on the go. Check your balances, pay bills, and transfer funds with just a few taps on your smartphone or computer. Our services include e-statements, which allow you to view your account activity anytime without waiting for paper statements to arrive in the mail. If you're looking for convenience, you'll love our mobile payments feature that makes it easy to pay using your phone at checkout no wallet needed! For those moments when you need to send money to friends or family, our person-to-person transfer option is quick and hassle-free. Just enter their details, and you can send money instantly! Plus, with our mobile application available for download, managing your finances is literally at your fingertips. Security is a top priority at Black Hills. We use electronic signature authorization to keep your transactions safe and secure. You can rest easy knowing that your personal information is protected every step of the way. In short, our digital banking services are designed with you in mind: accessible, user-friendly, and always available when you need them. Experience the convenience of modern banking with Black Hills today!

Financial Strength

At Black Hills, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that the trust you place in us is built on our ability to maintain strong financial health and deliver exceptional service. With a net worth of $233,163,323, we demonstrate robust financial strength, enabling us to provide better rates, lower fees, and enhanced member services. Our net worth ratio of 10.00% shows that we have a solid capital foundation. This means we can continue offering loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $614,736,568 in share certificates and $616,510,730 in money market shares, providing stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $12,011,830, we ensure our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to your financial well-being is also reflected in our $224,264,335 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $21,311 in used auto loans and $1,764,242,204 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by our $2,431,024, which enables us to continue offering competitive loan rates and solid financial products tailored for you. We take pride in having 396 full-time employees and 2 part-time employees ready to assist you with knowledgeable support. In summary, our net shares amount to $32,065,816, indicating funds available for lending and investments that directly benefit our members. With a total of 246,661 accounts, we have a strong and growing member base that trusts us with their finances. 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 921 W 10Th St Sioux Falls Sd 57104 or call (605) 937-4600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. We provide financing for both new and used vehicles, ensuring that you have the best possible options available.

Business Loans

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 further into your existing business, we are here to support you every step of the way.

Credit Card Loans

For those who prefer flexibility, we also offer unsecured credit card loans, with a total of $48,041,080 in loans helping members manage their finances effectively. These cards come with various rewards and benefits designed to enhance your everyday spending experience.

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 strive to offer competitive rates and clear terms so that you can move forward confidently on your journey to owning a home.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to reach out for more details on eligibility options. Our team is ready to assist you in finding the best solution tailored for your needs. At Black Hills, we are committed to making financial services accessible and straightforward for everyone. If you have any questions or would like more information about our loan offerings, please feel free to contact us at (605) 937-4600 or visit us at our branch located at 921 W 10Th St Sioux Falls Sd 57104. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take that next step towards achieving your financial dreams!

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. By relying on verified financial institutions, LendMesh guarantees that users receive accurate and trustworthy information when comparing loan options.

BLACK HILLS FEDERAL CREDIT UNION - Sioux Falls, SD

Type of Loan Offerings

Vehicle Loans

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