Credit Unions in Rapid City, SD
7 member-owned, NCUA-insured credit unions headquartered in or near Rapid City, serving a combined 136,712 members. The largest is Black Hills. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Black Hills
Rapid City, SD🇺🇸
108,769 members
Credit Unions & BankingView details →Highmark
RAPID CITY, SD🇺🇸
13,687 members
Credit Unions & BankingView details →Aspen
Rapid City, SD🇺🇸
7,810 members
Credit Unions & BankingView details →Dakota Star
RAPID CITY, SD🇺🇸
3,002 members
Credit Unions & BankingView details →Rushmore Electric
Rapid City, SD🇺🇸
1,424 members
Credit Unions & BankingView details →Minuteman
RAPID CITY, SD🇺🇸
1,177 members
Credit Unions & BankingView details →Dacotah
Rapid City, SD🇺🇸
843 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Rapid City, not that it is the nearest branch to you.
How to join a credit union in South Dakota
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Rapid City or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Rapid City — common questions
How many credit unions are in Rapid City?
7 member-owned, NCUA-insured credit unions are headquartered in or near Rapid City, South Dakota, with a combined 136,712 members. The largest is Black Hills.
Are these the closest credit unions to me in Rapid City?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Rapid City — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Rapid City?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in South Dakota accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Rapid City?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.