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Credit Unions You Can Join in South Dakota

Community credit unions in South Dakota that take members by where you live, work, worship or go to school. Each one is listed largest first, with its own wording and the site we read it on.

Credit unions anyone can join, wherever you live →

How to qualify in South Dakota

A community credit union serves the area named in its charter. If you live, work, worship or study there, you can usually join; many also accept people who run a business or volunteer in the area.

Relatives and household members of a member can often join too. Check the wording below against where you live, then open a share account to become a member.

Three routes into membership: Where you live, Your job or group, Your family. Each ends with opening a share (savings) account, which makes you a member-owner.Where you livelive, work, worship or study in the named areaYour job or groupemployer, union, church or association namedYour familya relative or household member already belongsOpen a shareaccountyou are now a member-owner
Every route ends the same way: a small deposit into a share account makes you a member. Check the credit union's own wording for the exact rules.

Community credit unions in South Dakota

Members, largest first: Highmark Credit Union 13,687; Northern Hills Credit Union 12,288; Area Credit Union 11,726; Sentinel Credit Union 9,834; Aspen Credit Union 7,810; Healthcare Plus Credit Union 5,106Highmark Credit Union14kNorthern Hills Credit Union12kArea Credit Union12kSentinel Credit Union9,834Aspen Credit Union7,810Healthcare Plus Credit Union5,106
Members of the largest community credit unions in South Dakota, from NCUA data.

  1. Highmark Credit Union

    Where you live or work

    Rapid City, SD · 13,687 members · $259 million in assets

    “Persons who live, work, worship or attend school in Butte, Custer, Fall River, Harding, Lawrence, Meade or Pennington County, South Dakota, or Campbell, Crook, Niobrara and Weston County, Wyoming are eligible to join.”from highmarkfcu.com
    Full details and how to join →

  2. Northern Hills Credit Union

    Where you live or work

    Sturgis, SD · 12,288 members · $187 million in assets

    “NHFCU membership is open to anyone who lives, works, worships, volunteers or attends school in and businesses and other legal entities within the State of South Dakota.”from northernhillsfcu.org
    Full details and how to join →

  3. Area Credit Union

    Where you live or work

    Aberdeen, SD · 11,726 members · $196 million in assets

    “Area Federal Credit Union - Area Federal Credit Union welcomes anyone who lives, works, worships or attends school in Brown, Codington, Day, Edmunds, Spink, and Walworth County to become a member and bank with us.”from areafcu.org
    Full details and how to join →

  4. Sentinel Credit Union

    Where you live or work

    Box Elder, SD · 9,834 members · $197 million in assets

    “Anyone who lives, works, worships, or attends school, or is a business or other legal entity in Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette counties in South Dakota can join us.”from sentinelfcu.org
    Full details and how to join →

  5. Aspen Credit Union

    Where you live or work

    Rapid City, SD · 7,810 members · $164 million in assets

    “The only requirement for membership is that you must live, work, or worship within Pennington, Meade, Custer or Lawrence Counties.”from aspenfcu.com
    Full details and how to join →

  6. Healthcare Plus Credit Union

    Where you live or work

    Aberdeen, SD · 5,106 members · $68 million in assets

    “Membership is open to all persons that live, work, worship, attend school, own property or own a business located in 22 counties in Northeast South Dakota and Southeast North Dakota.”from hcpfcu.coop
    Full details and how to join →

Who can join, across South Dakota's credit unions

Who can join, across 33 credit unions in South Dakota. Anyone can join: 0; Anyone, via an association or donation: 0; Live, work or worship in a named area: 6; Employer, union or church group: 0; Sentence too vague to sort: 11; No eligibility sentence on file: 16Anyone can join0Anyone, via an association or donation0Live, work or worship in a named area6Employer, union or church group0Sentence too vague to sort11No eligibility sentence on file16
Credit unions in South Dakota on NCUA's list, sorted by the eligibility sentence on each one's own website.

Not in one of these areas?

Some credit unions take anyone, directly or through an association, wherever you live. The largest include Connexus Credit Union, American Heritage Credit Union, Utah Community Credit Union.

See credit unions anyone can joinAll credit unions in South Dakota