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Savings Rates | Certificate and IRA Rates | Loan Rates | Mortgage Rates
Please read the Truth In Savings disclosures for additional information. Fees could reduce earnings on an account. See the Schedule of Fees for more information. Rates effective as of May 1, 2008, and subject to change. (APY = Annual Percentage Yield) Not valid for brokered deposits, institutional investors, business accounts or Public Funds.
SAVINGS RATES
Special Share
Dividends compounded and credited monthly
No minimum daily balance required to earn the stated APY
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| Minimum Opening Deposit: $0.00 |
1.25% APY |
1.24% Dividend Rate |
Money Market InvestAccount
Dividends compounded and credited monthly
No minimum daily balance required to earn the stated APY
Minimum Opening Deposit: $0.00 |
| $0.00 to $4,999.99 |
1.25% APY |
1.24% Dividend Rate |
| $5,000.00 to $24,999.99 |
1.40% APY |
1.39% Dividend Rate |
| $25,000.00 to $49,999.99 |
1.60% APY |
1.59% Dividend Rate |
| $50,000.00 to $89,999.99 |
1.90% APY |
1.88% Dividend Rate |
| $90,000.00 + |
2.25% APY |
2.23% Dividend Rate |
Premier High-Yield Money Market Account
Dividends compounded and credited monthly
Minimum Opening Deposit: $2,500.00
Minimum Daily Balance of $2,500.00 to avoid monthly service fee
No minimum daily balance required to earn the stated APY
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| $0.00 to $2,499.99 |
0.25% APY |
0.25% Dividend Rate |
| $2,500.00 to $4,999.99 |
1.25% APY |
1.24% Dividend Rate |
| $5,000.00 to $24,999.99 |
1.80% APY |
1.79% Dividend Rate |
| $25,000.00 to $49,999.99 |
2.00% APY |
1.98% Dividend Rate |
| $50,000.00 to $89,999.99 |
2.40% APY |
2.37% Dividend Rate |
| $90,000.00 + |
2.70% APY |
2.67% Dividend Rate |
IRA Share
Dividends compounded and credited monthly
No minimum daily balance required to earn the stated APY
An initial deposit of $5.00 and an automatic deposit of $5.00 biweekly or $10.00 monthly will allow you to open the account. |
| Minimum Opening Deposit: $100.00 |
3.00% APY |
2.96% Dividend Rate |
Freedom Checking/Share Draft Account
No minimum daily balance required
Minimum Opening Deposit: $0.00
Non-dividend bearing
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CERTIFICATE RATES
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Rates effective as of May 1, 2008, and subject to change.
(APY = Annual Percentage Yield). Not valid for brokered deposits, institutional investors, business accounts or Public Funds. Dividends are compounded daily and credited monthly on all Certificates and IRA Certificate accounts. A penalty may be imposed for early withdrawal. Please read the Truth in Savings disclosures for additional information.
*Bump-a-Rate feature is available upon request.
** The Ultimate Checking account is required to be open at the purchase and/or renewal of the certificate to receive this rate.
*** You must be a member of our Looney Tunes Club (ages 12 and under) or our VIBZ! Teen Club (13 years of age and no more than 19 years of age).
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3-Month Certificate
Minimum Opening Deposit:
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| $100.00 to $499.99 *** |
2.60% APY |
2.57% Dividend Rate |
| $500.00 to $24,999.99 |
2.60% APY |
2.57% Dividend Rate |
| $25,000.00 + |
2.70% APY |
2.66% Dividend Rate |
6-Month Certificate
Minimum Opening Deposit:
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| $100.00 to $499.99 *** |
2.80% APY |
2.76% Dividend Rate |
| $500.00 to $24,999.99 |
2.80% APY |
2.76% Dividend Rate |
| $25,000.00 + |
2.90% APY |
2.86% Dividend Rate |
9-Month Certificate
Minimum Opening Deposit:
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| $100.00 to $499.99 *** |
3.00% APY |
2.96% Dividend Rate |
| $500.00 to $24,999.99 |
3.00% APY |
2.96% Dividend Rate |
| $25,000.00 + |
3.10% APY |
3.05% Dividend Rate |
12-Month Certificate*
Minimum Opening Deposit:
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| $100.00 to $499.99 *** |
3.05% APY |
3.01% Dividend Rate |
| $500.00 to $24,999.99 |
3.05% APY |
3.01% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.15% APY |
3.10% Dividend Rate |
| $25,000.00 + Ultimate ** |
3.25% APY |
3.20% Dividend Rate |
| $99,000.00 + |
3.20% APY |
3.15% Dividend Rate |
| $99,000.00 + Ultimate ** |
3.30% APY |
3.25% Dividend Rate |
| $200,000.00 + |
3.25% APY |
3.20% Dividend Rate |
| $200,000.00 + Ultimate ** |
3.35% APY |
3.30% Dividend Rate |
18-Month Certificate
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
3.05% APY |
3.00% Dividend Rate |
| $500.00 to $24,999.99 |
3.05% APY |
3.00% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.15% APY |
3.10% Dividend Rate |
| $25,000.00 + Ultimate ** |
3.25% APY |
3.20% Dividend Rate
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| $99,000.00 + |
3.20% APY |
3.15% Dividend Rate
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| $99,000.00 + Ultimate ** |
3.30% APY |
3.25% Dividend Rate
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| $200,000.00 + |
3.25% APY |
3.20% Dividend Rate
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| $200,000.00 + Ultimate ** |
3.35% APY |
3.30% Dividend Rate
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24-Month Certificate
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
3.05% APY |
3.00% Dividend Rate |
| $500.00 to $24,999.99 |
3.05% APY |
3.00% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.15% APY |
3.10% Dividend Rate |
| $25,000.00 + Ultimate ** |
3.25% APY |
3.20% Dividend Rate |
| $99,000.00 + |
3.20% APY |
3.15% Dividend Rate
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| $99,000.00 + Ultimate ** |
3.30% APY |
3.25% Dividend Rate
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| $200,000.00 + |
3.25% APY |
3.20% Dividend Rate
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| $200,000.00 + Ultimate ** |
3.35% APY |
3.30% Dividend Rate |
30-Month Certificate*
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
3.50% APY |
3.44% Dividend Rate |
| $500.00 to $24,999.99 |
3.50% APY |
3.44% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.60% APY |
3.54% Dividend Rate |
| $25,000.00 + Ultimate ** |
3.71% APY |
3.64% Dividend Rate |
| $99,000.00 + |
3.65% APY |
3.59% Dividend Rate |
| $99,000.00 + Ultimate ** |
3.76% APY |
3.69% Dividend Rate |
| $200,000.00 + |
3.71% APY |
3.64% Dividend Rate |
| $200,000.00 + Ultimate ** |
3.81% APY |
3.74% Dividend Rate |
36-Month Certificate
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
3.65% APY |
3.59% Dividend Rate |
| $500.00 to $24,999.99 |
3.65% APY |
3.59% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.75% APY |
3.68% Dividend Rate |
| $25,000.00 + Ultimate** |
3.85% APY |
3.78% Dividend Rate |
| $99,000.00 + |
3.80% APY |
3.73% Dividend Rate |
| $99,000.00 + Ultimate ** |
3.90% APY |
3.83% Dividend Rate |
| $200,000.00 + |
3.85% APY |
3.78% Dividend Rate |
| $200,000.00 + Ultimate ** |
3.96% APY |
3.88% Dividend Rate |
48-Month Certificate
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
3.70% APY |
3.63% Dividend Rate |
| $500.00 to $24,999.99 |
3.70% APY |
3.63% Dividend Rate |
| $25,000.00 - $99,000.00 |
3.80% APY |
3.73% Dividend Rate |
| $25,000.00 + Ultimate ** |
3.90% APY |
3.83% Dividend Rate |
| $99,000.00 + |
3.85% APY |
3.78% Dividend Rate |
| $99,000.00 + Ultimate ** |
3.96% APY |
3.88 Dividend Rate |
| $200,000.00 + |
3.90% APY |
3.83% Dividend Rate |
| $200,000.00 + Ultimate ** |
4.01% APY |
3.93% Dividend Rate |
5 to 8-Year Certificate
Minimum Opening Deposit: |
| $100.00 to $499.99 *** |
4.50% APY |
4.40% Dividend Rate |
| $500.00 to $24,999.99 |
4.50% APY |
4.40% Dividend Rate |
| $25,000.00 $99,000.00 |
4.60% APY |
4.50% Dividend Rate |
| $25,000.00 + Ultimate ** |
4.70% APY |
4.60% Dividend Rate |
| $99,000.00 + |
4.65% APY |
4.55% Dividend Rate |
| $99,000.00 + Ultimate ** |
4.76% APY |
4.65% Dividend Rate |
| $200,000.00 + |
4.70% APY |
4.60% Dividend Rate |
| $200,000.00 + Ultimate ** |
4.81% APY |
4.70% Dividend Rate |
LOAN RATES
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Rates effective as of April 18, 2008 and subject to change without notice.
(APR = Annual Percentage Rate)
*These rates include a .25% discount available to members who maintain a checking account with us and their loan payment is made by an automatic payment method.
Black Hills Federal Credit Union offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!
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New and Nearly New Autos Apply online now!
2008,2007, and 2006
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PREMIER PLUS
APR |
PREMIER
APR |
STANDARD
APR |
VALUE
APR |
REBUILDER
APR |
24 Months:  |
*4.48% |
*4.63% |
*5.23% |
*7.23% |
*9.23% |
| 36 Months: |
*4.58% |
*4.73% |
*5.33% |
*7.33% |
*9.33% |
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48 Months:
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*4.65%
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*4.80%
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*5.40%
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*7.40%
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*9.40%
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| 60 Months: |
*4.65%
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*4.80%
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*5.40%
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*7.40%
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*9.40%
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| 66 Months: |
*5.10%
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*5.25%
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*5.85%
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*7.85%
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*9.85%
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| 72 Months: |
*5.70%
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*5.85%
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*6.45%
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*8.45%
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*10.45%
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84 Months:
New Only
Minimum amount financed $25,000
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*6.50%
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*6.65%
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*7.25%
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*9.25%
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*11.25%
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Used Autos Apply online now!
2005, 2004, 2003, and 2002 |
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24 Months:
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*4.89%
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*5.04%
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*5.64%
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*7.64%
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*9.64%
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| 36 Months: |
*5.19% |
*5.34% |
*5.94% |
*7.94% |
*9.94% |
| 48 Months: |
*5.39%
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*5.54%
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*6.14%
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*8.14%
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*10.14%
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| 60 Months: |
*5.54%
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*5.69%
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*6.29%
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*8.29%
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*10.29%
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66 Months:
2005 Only |
*5.89%
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*6.04%
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*6.64%
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*8.64%
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*10.64%
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72 Months:
2005 Only
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*6.29%
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*6.44%
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*7.04%
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*9.04%
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*11.04%
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| 2001 Only Apply online now! |
| up to 48 Months: |
*6.74%
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*6.89%
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*7.49%
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*9.49%
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*11.49%
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| 60 Months: |
*7.04%
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*7.19%
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*7.79%
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*9.79%
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*11.79%
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2000 and 1999 Apply online now!
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| 48 Months: |
*6.74%
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*6.89%
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*7.49%
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*9.49%
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*11.49%
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1998 and older Apply online now!
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| 36 Months: |
*8.74%
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*8.89%
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*9.49%
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*11.49%
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*13.49%
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Classic Cars Apply online now!
Completely restored, 1988 and Older |
| 60 Months: |
*7.44%
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*8.19%
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*10.19%
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*12.19%
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| Loan Payment Example: At 5.49% annual percentage rate (APR) for a 60 month term with 0% down, monthly payments are calculated at $19.10 per $1,000.00 borrowed.*
*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call BHFCU at 605-343-0891 or 1-800-482-2428 or ask your Black Hills Area auto dealer.
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| Note: Any vehicles with over 100,000 miles have a maximum term of 36 months. Some terms subject to minimum amount financed. |
| A 1% reduction in the Value and Rebuilder interest rates on automobile, recreational vehicle, personal, personal computer, mobile home, and home equity loans will be given to those members who have successfully completed the Credit When Credit is Due course. This discount does not apply to line of credit loans or credit cards. |
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New Motor Homes, Campers, Travel Trailers, 5th Wheels, and Boats
Apply online now!
See next section for Personal Watercraft
*These rates include a .25% discount available to members who maintain a checking account with us and their loan payment is made by an automatic payment method.
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PREMIER PLUS
APR
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PREMIER
APR
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STANDARD
APR
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VALUE
APR
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REBUILDER
APR
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| To $2,499 |
| 36 Months: |
*7.74%
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*7.99%
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*8.49%
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*10.49%
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*12.49%
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| $2,500 to $4,999 |
| 60 Months: |
*6.74%
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*6.99%
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*7.49%
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*9.49%
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*11.49%
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| $5,000 to $9,999 |
| 84 Months: |
*5.74%
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*5.99%
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*6.49%
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*8.49%
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*10.49%
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| $10,000 to $14,999 |
| 96 Months: |
*5.99%
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*6.24%
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*6.74%
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*8.74%
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*10.74%
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| $15,000 to $24,999 |
| 120 Months: |
*6.99%
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*7.24%
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*7.74%
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*9.74%
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*11.74%
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| $25,000 & Over |
| 144 Months: |
*6.99%
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*7.24%
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*7.74%
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*9.74%
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*11.74%
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Balloon Payment for New and Up to Six Years Old Apply online now!
*These rates include a .25% discount available to members who maintain a checking account with us and their loan payment is made by an automatic payment method. |
| $5,000 to $9,999 |
| 60 Months (84): |
*5.54%
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*5.79%
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*8.29%
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*10.29%
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| $10,000 to $14,999 |
| 60 Months (120): |
*5.54%
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*5.79%
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*6.29%
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*8.29%
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*10.29%
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| $15,000 to $24,999 |
| 60 Months (144): |
*5.54%
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*5.79%
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*6.29%
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*8.29%
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*10.29%
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| $25,000 & Over |
| 60 Months (180): | |
