Credit Unions in Rapid City, SD
7 member-owned, NCUA-insured credit unions headquartered in or near Rapid City, serving a combined 138,242 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🇺🇸
109,705 members
Credit Unions & BankingView details →Highmark
RAPID CITY, SD🇺🇸
13,653 members
Credit Unions & BankingView details →Aspen
Rapid City, SD🇺🇸
8,449 members
Credit Unions & BankingView details →Dakota Star
RAPID CITY, SD🇺🇸
3,023 members
Credit Unions & BankingView details →Rushmore Electric
Rapid City, SD🇺🇸
1,430 members
Credit Unions & BankingView details →Minuteman
RAPID CITY, SD🇺🇸
1,155 members
Credit Unions & BankingView details →Dacotah
Rapid City, SD🇺🇸
827 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Rapid City: they are based in or near Rapid City. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Rapid City
2 more credit unions headquartered elsewhere have a branch in Rapid City, SD. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Sentinel
BOX ELDER, SD🇺🇸
10,004 members
Credit Unions & BankingView details →Interfaith
MONTCLAIR, CA🇺🇸
4,774 members
Credit Unions & BankingView details →- Sentinel — branches: 4011 Triple Crown Dr Rapid City, SD 57701-2098; 1430 Haines Ave Ste 101 Rapid City, SD 57701-0612
- Interfaith — branch: 815 Columbus St Rapid City, SD 57701
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 138,242 members. The largest is Black Hills.
Are these the closest credit unions to me in Rapid City?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Rapid City, geocoded to the city. The second list adds 2 more credit unions headquartered elsewhere that NCUA shows with a branch in Rapid City, as of June 30, 2026. A credit union can serve a wider area than its branches. 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.