Black Hills Federal Credit Union
Quick Summary
- HSA savings account
The Verdict
Black Hills Federal Credit Union provides essential HSA features with zero monthly maintenance fees and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
Since Black Hills Federal Credit Union opened its doors in 1941, we've been a South Dakota credit union dedicated to providing the great service and excellent products you and your family need to succeed. We've helped members buy cars, move into homes, insure their assets, start a business, retire comfortably, and much more.
With 18 locations throughout South Dakota and now into Montana, we're a full-service credit union passionate about serving our members and improving lives in our community. Our friendly, knowledgeable financial and lending experts are here to help you reach your personal and financial goals.
Key Features
Banking & Access
Includes debit card, online banking and check-writing.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
Requires $100 minimum balance. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
Black Hills Federal Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0+ | 0.50% |
Last updated: 11-12-2025
Contact Information
Website
https://www.bhfcu.comAddress
200 Main Street Rapid City, SD Customer Service Mailing Address P.O. Box 1420 Rapid City, SD 57709
Customer Service
800-482-2428
200 Main Street Rapid City, SD Customer Service Mailing Address P.O. Box 1420 Rapid City, SD 57709
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •No investment options available
User Sentiment
Based on community feedback
Sentiment data coming soon
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