Black Hills Federal Credit Union (BHFCU) of Rapid City, South Dakota has been in service for more than 73 years, currently from 14 locations. Its field of membership is a community credit union. By number of members, it is the biggest in South Dakota. It also is the biggest in the state by assets.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers a credit builder program, share-secured credit cards, short term small amount loansand micro consumer loans.
Besides new and used car loans and other kinds of borrowing, BHFCU can do real estate loans and can grant interest only or payment option first mortgage loans. Conveniences include check cashing, international remittances, low-cost wire transfers and money orders. Black Hills FCU members may also benefit from student scholarships, income tax preparation assistance and loans based on expected tax refund.
Services to businesses and professionals include business share accounts, business loans, micro business loans, mortgage processing and the credit union is an approved mortgage seller. Members having other financial, savings, and investment needs will appreciate health savings accounts, individual development accounts, certificates of deposits and insurance/investment products that are offered.
You can do business with BHFCU via online banking, phone based audio response and mobile banking apps. Automated capabilities allow you to apply to join the credit union, enter loan applications, check your balance, order share drafts, setup a new share account, manage loan payments, view account history, transfer money, online bill pay, download your account history, view statements, make mobile check deposits and make payments via mobile devices.
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