BLACK HILLS FEDERAL CREDIT UNION

Welcome to Black Hills, your trusted financial partner at the Spearfish Member Service Center located at 835 N Main St, Spearfish, SD 57783. Since our establishment in 1941, we have proudly served over 105,000 members, helping them achieve their financial goals with dedication and care. Our mission is to create a positive impact in our community while providing reliable banking solutions tailored to your needs. At Black Hills, we understand that financial stability and growth are important for you and your family. That's why we manage a robust portfolio of assets totaling an impressive $2,331,429,590. With total deposits reaching $56,401,782 and a solid net worth of $233,163,323, you can trust us to safeguard your hard-earned money. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions designed just for you. Our team is led by CEO Jerry Schmidt and Board President Karen Holloway, who share a commitment to member satisfaction and community engagement. Together with our team of 398 employees, we strive to provide friendly service that makes banking easy and accessible. If you ever need assistance or have questions about our offerings, don't hesitate to reach out at 605-642-8161. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 835 Main Street, Spearfish, SD 57783-2037. We invite you to explore what Black Hills can do for you whether it's securing a loan for that dream car or opening a new account for everyday banking. Visit us today or check out our website at http://www.blackhillsfcu.org for more information! Your financial journey is important to us; let's walk it together!

At Black Hills, we take pride in our rich history and unwavering mission to support our members and community. Established in 1941, our Spearfish Member Service Center has been a cornerstone of financial services for over eight decades. Located at 835 N Main St, Spearfish, SD 57783, we are conveniently situated near local landmarks that make us easily accessible for all your banking needs. From our humble beginnings, we have grown to serve more than 105,000 members and manage total assets exceeding $2.3 billion. Our evolution reflects our commitment to providing exceptional financial services while fostering strong community ties. We understand the importance of adapting to the needs of our members, which is why we have embraced digital advancements and customer-centric initiatives. With features like online banking and mobile payments, we ensure that managing your finances is both convenient and secure. Our mission is simple yet impactful: to empower our members through comprehensive financial solutions while actively supporting community growth. We offer a range of services from personal banking including checking and savings accounts to auto loans, mortgages, and business banking. Beyond just numbers, we believe in creating lasting relationships with our members by being there when it matters most. While members can visit us at 835 N Main St Spearfish Sd 57783, official correspondence should be sent to 835 Main Street, Spearfish, SD 57783-2037. Our lobby hours are Monday through Friday from 9:00 a.m. to 5:00 p.m., with drive-thru service available from 7:30 a.m. to 5:30 p.m., making it easy for you to reach us at your convenience. In addition to offering standard ATM services and drive-thru banking, we also focus on community outreach efforts through partnerships that strengthen the fabric of Spearfish. Our team works tirelessly under the guidance of CEO Jerry Schmidt and Board President Karen Holloway to uphold these values every day. Join us at Black Hills as we continue our journey of service and growth together. Experience firsthand how being part of our credit union can enhance your financial future while supporting the community you love. Visit us today or give us a call at (605) 642-8161 we're here for you!

Joining Black Hills is like becoming part of a warm and welcoming family that prioritizes your financial well-being. To become a member, you'll find that eligibility is designed to be inclusive. Typically, if you live, work, or worship in the Spearfish area or are affiliated with certain organizations, you're likely eligible! This means that many community members can take advantage of the supportive services we offer. Plus, membership comes with fantastic benefits such as competitive rates on loans and savings products, personalized service, and access to a variety of financial resources tailored just for you. Opening an account is simple and straightforward! Just visit us at 835 N Main St Spearfish Sd 57783, or give us a call at (605) 642-8161 for any questions you may have. For more detailed information about our eligibility criteria, check out our website at . We're excited to welcome you into our community where your financial success is our top priority!

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 trust is built through transparency and reliability. That's why we're proud to share our financial strength with you, demonstrating our commitment to your well-being. 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. 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. Our success is further reflected in our $224,264,335 in undivided earnings. These earnings enable us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $21,311 in used auto loans and $1,764,242,204 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a net income of $8,888,367, which allows 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. Net Shares (Funds available for lending and investments): $32,065,816. Total Share and Deposit Accounts: 246,661, showing 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 835 N Main St Spearfish Sd 57783 or call (605) 642-8161 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.

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