Black Hills Credit Union Sioux Falls SD | Quick Personal Loans & Business Banking

Introduction

Welcome to Black Hills, your trusted partner in financial well-being! Located at 5028 S Marion Rd, Sioux Falls, SD 57106, our credit union has been serving the community since 1941. With a strong commitment to our members, we have grown to a proud membership of over 105,000 individuals and families who trust us with their financial needs. At Black Hills, we understand that each member's journey is unique. That's why we offer a range of services designed to fit your lifestyle whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans, mortgages, or business banking solutions. With total assets exceeding $2.3 billion and deposits around $56 million, we ensure that your money is not just safe but also working for you. Our dedicated team of 398 employees is here to support you every step of the way. Led by CEO Jerry Schmidt and Board President Karen Holloway, our leadership is committed to providing personalized service and innovative solutions tailored to meet your needs. While members can visit us at our branch location, official correspondence should be sent to 5028 S Marion Ave, Sioux Falls, SD 57106. Feel free to reach out via phone at 605-718-1818 or fax at 605-718-6146 during our operating hours from 9 AM - 5 PM, Monday through Friday. Join us today and experience the difference that comes with being part of the Black Hills family! Visit our website at blackhillsfcu.org for more information or stop by our branch to learn how we can assist you in achieving your financial goals. Your future starts here!

Branch History & Mission

Commitment to Excellence

In today's digital age, we prioritize convenience without sacrificing accessibility. Our branch offers ATM availability and drive-thru banking for quick transactions. Plus, with features like online banking and mobile payments, managing your finances has never been easier. We are also proud to be ADA compliant, ensuring all members can access our services comfortably. Our commitment extends beyond just banking; it encompasses community outreach efforts that resonate deeply within Sioux Falls and surrounding areas. By participating in local events and supporting various causes, we strive to make a positive impact in people's lives.

Join Us

As we look ahead to the future at Black Hills, we invite you to be part of our journey. Experience first-hand how being a member can enrich your life both financially and personally. With dedicated staff ready to assist you every step of the way, let us help you achieve your financial goals. For more information or inquiries, feel free to reach out at 605-718-1818 or visit us online at Black Hills FCU. Together, let's build a brighter future!

Our Journey

From our humble beginnings, Black Hills has evolved to become a cornerstone of financial support for individuals and families alike. Our branch is located at 5028 S Marion Rd, Sioux Falls, SD 57106, conveniently situated near local landmarks that make it accessible for all. As we have expanded our services, we have stayed true to our mission: to empower our members through comprehensive financial solutions while enhancing their quality of life. We understand that banking goes beyond transactions; it's about building relationships. That's why we focus on offering personal banking services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards tailored to meet diverse needs. We also cater to businesses with merchant services and business loans, ensuring that we support not just individuals but the entire community.

Our Mission

Our mission at Black Hills is clear: to provide exceptional financial services while fostering a sense of belonging among our members. We aim to promote financial literacy and community well-being through various outreach initiatives and partnerships that uplift those around us. While members can visit us at 5028 S Marion Rd, official correspondence should be sent to 5028 S Marion Ave, Sioux Falls, SD 57106 if necessary.

Branch Location & Accessibility

Accessibility and Parking

At our Sioux Falls branch, we prioritize accessibility for all members. The location is ADA compliant, featuring ramps and wide entrances for easy access. Plus, ample parking is available right outside our doors, so you won't have to worry about finding a spot when you visit.

Get In Touch

If you have any questions or need assistance before visiting, feel free to give us a call at 605-718-1818. Our dedicated staff is always ready to help. So why wait? Come by and see us today at Black Hills on Marion Road where community banking meets exceptional service!

Operating Hours

Our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 5 PM, giving you plenty of time during the week to come in and discuss your banking needs. Whether you're looking for assistance with personal banking or exploring loan options, our friendly team is here to help!

Services Offered

At Black Hills, we offer a range of services tailored to meet your financial goals. From checking and savings accounts to auto loans and mortgages, we've got what you need under one roof. We also provide drive-thru banking for quick transactions and ATM access for your convenience. And if you're a member of a partner credit union, don't forget about our shared services which allow basic transactions at our branch.

Member Eligibility

At Black Hills, we believe that everyone deserves a chance to thrive in their financial journey, and becoming a member is your first step into our welcoming community. If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We're here to support you with a range of services designed to meet your unique needs. Our members enjoy personalized service, competitive rates, and a sense of belonging that makes banking feel less like a transaction and more like a partnership. Joining is straightforward! You can find all the details about eligibility on our website at , which will guide you through the requirements. And when you're ready to open an account, visit us at 5028 S Marion Rd Sioux Falls Sd 57106 or give us a call at (605) 718-1818 for assistance. We're excited to welcome you to Black Hills and help you achieve your financial goals!

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

Imagine being able to streamline your payment processes effortlessly. Our merchant services allow you to accept payments in various ways, making transactions easy for both you and your customers. From point-of-sale systems to online payment solutions, we have what you need to keep your cash flow steady and your operations smooth. Located at 5028 S Marion Rd Sioux Falls Sd 57106 in Sioux Falls, SD, we're here to help you navigate the financial landscape of your business. Reach out to us today at (605) 718-1818 and discover how we can partner with you on your journey to success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on-the-go? Our ATM & Cash Withdrawal Services are available for easy access to your funds whenever you need them. Plus, our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle.

Business Solutions

For business owners, we offer comprehensive Business Banking services including Merchant Services & Business Loans. We understand that running a business comes with its challenges, and we strive to provide solutions that fit your company's needs.

Credit Cards

If you're looking for rewards with your purchases, check out our Credit Cards with Rewards program. Enjoy perks and benefits while managing your spending effectively.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking services. Manage your accounts from anywhere at any time with features like mobile payments, person-to-person transfers, and e-statements.

Home Financing

Dreaming of owning a home? With our Mortgage Loans & Refinancing, we can help turn that dream into reality. Our team will work closely with you to find the best rates and terms, guiding you through each step of the home-buying process.

Personal Banking

Whether you're opening your first checking account or looking for ways to save for future goals, our personal banking services have you covered. We offer Checking & Savings Accounts that cater to your everyday needs, ensuring your money is easily accessible while earning interest. If you're thinking about purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it easy to hit the road without breaking the bank.

Personal Loans

Sometimes life throws unexpected expenses your way. For those moments, our Personal Loans & Debt Consolidation options provide a practical solution. Whether it's covering medical bills or consolidating debt, we're here to help lighten your financial load.

Shared Branch Transactions

If you're part of another credit union that partners with us, enjoy seamless banking with basic shared branch transactions. This means deposits and withdrawals can be made conveniently at our location. At Black Hills, we take pride in making banking simple and accessible for everyone in Sioux Falls and beyond. If you have questions about any of our services or want to get started today, don't hesitate to reach out! Give us a call at (605) 718-1818 or visit us online at http://www.blackhillsfcu.org . Your financial journey starts here!

Digital & Online Banking

Enhanced Security Features

We prioritize your security. With electronic signature authorization available for many transactions, you can complete important paperwork safely and efficiently from home. Additionally, e-statements are offered to keep your financial information secure while still providing easy access when you need it. At Black Hills, we are committed to providing accessible and effective digital solutions for all our members. Dive into the world of convenient banking today!

Mobile Application and Payments

For those who prefer managing their finances on the go, our mobile application is here to help. You can enjoy all the conveniences of online banking right from your smartphone. Plus, with our mobile payments feature, making purchases has never been more straightforward just tap and go!

Online Banking Services

With our 24/7 online banking available at http://www.blackhillsfcu.org , you can access your accounts anytime, from anywhere. This means checking your balance, transferring funds, and paying bills has never been easier! Our user-friendly interface makes it simple to navigate through your options, helping you stay organized without any hassle.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service lets you do just that with ease. You can quickly send funds using just their email address or phone number perfect for splitting bills or sending gifts.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 246,661, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares (Funds available for lending and investments) amount to $32,065,816, reinforcing our ability to support your financial 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 5028 S Marion Rd Sioux Falls Sd 57106 or call (605) 718-1818 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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 members' financial goals across various sectors, with $21,311 in used auto loans and $1,764,242,204 in total loans and leases.

Member-Centric Savings Options

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 commitment to 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 Health

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.

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 aim to make your vehicle purchase as smooth as possible. If you're considering refinancing your current auto loan, we can help you explore options that might lower your payments.

Credit Lines and Commercial Loans

For those looking for additional flexibility, our total credit lines amount to $774,405,301, giving you the option to access funds when needed without the hassle of reapplying each time. Additionally, we cater to business owners through our outstanding commercial loans totaling $392,243,852, providing the capital needed to grow and expand operations. At Black Hills located at 5028 S Marion Rd Sioux Falls Sd 57106, we are dedicated to ensuring that our members have access to financial solutions that work for them. For any inquiries or assistance regarding our loan offerings or eligibility options, please feel free to reach out at 605-718-1818 during our operating hours from 9 AM - 5 PM. 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 how we can help you achieve your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $89,971,712, making buying or refinancing simple. We believe owning a home should be within reach for everyone. If you're interested in refinancing your existing mortgage for better rates or terms, our team is here to assist you.

Unsecured 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 can provide a convenient way to handle daily expenses while building your credit history.

Loan Aggregator

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Ensuring Accurate Comparisons

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BLACK HILLS FEDERAL CREDIT UNION