Northern Hills Federal Credit Union

09/24/2026

Fall is the season the house lets you know what needs attention. Roof, siding, a heating system that groaned through last winter, a kitchen that has been on the list for three years. 💚

A Home Equity Line of Credit at NHFCU sets up a flexible line backed by the equity you have already built. Draw what you need for the project, pay interest only on what is drawn, and the line stays open for whatever comes next.

Members use it for fall exterior work before winter, remodel projects, unexpected repairs, or consolidating higher-interest debt into a single payment.

Local underwriting means the loan officer reviewing your file knows the region and can answer questions directly. Call 605-347-4527 or stop by any location to start the conversation.

09/23/2026

Huge congratulations to Mel Schmidt for being named Best Bank Teller in the 2026 Best of the Black Hills! 💚

We are also honored to be named a Favorite for Small Company to Work For.

Thank you to everyone in our community who took the time to vote. We are so proud of Mel and our team at Northern Hills Federal Credit Union.

09/23/2026

Want to grow your savings without riding the stock market roller coaster? 🎢❌ It’s time to talk about Share Certificates. It’s the perfect, secure way to lock in a fantastic return while keeping your money completely safe and sound.

Your future self will definitely thank you for making such a smart, low-risk move today.

09/23/2026

This Saturday. September 26. Ten to three at White's Canyon Ford. 💚

Every test drive that day earns a $30 donation from Ford to United Way of the Black Hills. Two hundred test drives means $6,000 goes back to the community.

Food trucks, giveaways, kids' activities. Bring the family and take a truck for a spin.

See you Saturday.

09/21/2026

This Fall, make your money work harder. 🍂

NHFCU is offering two limited-time Share Certificate Specials with rates that are worth celebrating:

🍁 13-Month Share Certificate — 4.00% APY

🍁 25-Month Share Certificate — 4.20% APY

Whether you're looking to grow your savings over the short term or lock in a great rate for the long haul, now is the time to take advantage. Share Certificates are a safe, predictable way to earn more on the money you're already saving — no market risk, no surprises.

Don't let this season pass you by. Open yours today → northernhillsfcu.org/certificates-iras-hsas

*APY = Annual Percentage Yield. Limited-time offer. Terms and conditions apply.

Certificates, IRAs, HSAs While living in the moment has it perks, it pays to look ahead to the future. Setting aside money for your retirement today will not only provide you with a comfortable cushion to settle back on, but you’ll also earn dividends and may qualify for special tax benefits. Inve...

09/21/2026

Quick test at the household level. Can you name what is in each of your accounts, and can you explain why it is there? 💚

Not the exact dollar figures. Just the purpose. Checking funds the month. Savings covers three to six months of essentials. A certificate is locked because the money is not needed for two years. A retirement account is for decades from now.

If any account cannot answer the second question cleanly, that is where the review starts. Fall is the natural window for one.

What is the account you would open first if you were rebuilding from scratch?

09/19/2026

It’s National Thank You Day, and honestly, we’re feeling pretty sentimental. 🥹💚 We know you have choices on where to keep your hard-earned cash, and choosing us means the world.

Because we’re a not-for-profit cooperative, you aren’t just customers—you are the actual owners of this place! Thank you for trusting us with your dreams, your homes, and your local businesses. We literally couldn’t do this without you. You rock! 🙌

09/18/2026

Our team spent United Way of the Black Hills' Day of Caring at a local domestic violence shelter, paintbrushes in hand and (in some cases) paint on our faces. 🎨

Some of us were more qualified than others. All of us walked away grateful for a day spent giving back to the community that has supported us since 1950.

Thank you to United Way of the Black Hills for organizing the day, and to every one of our team members who showed up ready to work.

Our annual United Way workplace campaign is up next. Grateful for a team that says yes when it counts. 💚

09/17/2026

Things are about to get unbe-leaf-ably festive in Rapid City! 🎃🍂 The Great Downtown Pumpkin Festival is back, and it’s the perfect way to kick off fall.

From massive pumpkins to local food trucks and vendor booths, there is something for the whole family. Grab your favorite flannel shirt, head downtown, and come celebrate autumn with the community. We promise the giant pumpkins are worth the trip!

09/16/2026

Holiday spending starts in September. 💚

14 weeks between now and Christmas week is enough runway to build a real cushion, but only if the transfers start now. A small amount routed to a dedicated Special Savings account each payday adds up before the tree goes up.

Where you put the money matters as much as the amount. Holiday funds mixed in with grocery money and gas tend to disappear into November before December arrives. A Special Savings account at NHFCU sits alongside your regular accounts, holds funds toward a specific goal, and keeps the money out of daily-decision range.

Automating the transfer means the choice happens once, not every Friday.

Where do you keep your holiday money each year? Separate account, or the same one you spend from?