Black Hills Federal Credit Union, Rapid City, SD

I've been banking with this business since I was 14 years old, every automobile loan I've ever gotten from them I've paid on time and I've paid it off early. I've been having some medical issues; I paid for the insurance on my credit card which has refused to pay during my disability, I owe only $400 on the car that I currently have and I'm 2 years early on paying it off. But because I owe them $1200 on my credit card they are making threats to take my car. They did not ask me what was wrong, offer a payment plan or any assistance. They went straight to making threats about taking my car. This place is ridiculous they have no customer service skills. You might as well bank at Wells Fargo. An attorney told me that credit unions have special privileges they get a lot of leeway in the law that regular banks don't get so it sounds to me like legally you have more protections under any regular bank. Rather than going to a credit Union just go to a regular bank. Once the situation is worked out I will never use black hills federal credit union again. 24 years of loyalty, on time payments, and early payoff down the drain over $1200. I guess it's good to know where I stand.

We had a savings and checking account with them for a number of years. We stopped using it for several months and then asked to close the account. There was only about $43 left. Turns out that since we hadn't used it for a while they decide to take our money in the form of inactivity fees. I guess they decided that if we didn't take the money they think it's now theirs.

You are nothing more than a number to this bank. I’ve banked with them for well over a decade and have had NUMEROUS car loans with them and NEVER once failed to make my payments. Yet all they care about is my credit score. There’s virtually ZERO risk in giving me a car loan but they don’t care. You’re just a number to them. They’re a big bank masquerading as a local FCU.

I have been very happy with BHFCU. Every staff person I've dealt with has been helpful, friendly, and knowledgeable. BHFCU has many convenient locations. The website and mobile banking features are excellent. Highly recommended.

As a mortgage company they are awful. Had so many problems getting my loan, initial payments taken out that shouldn’t have been. Ever since they went ‘corporate’ you are better off staying with the big banks. Been a member since 2006 and they are a shadow of the good company they used to be. Their employees now just blame ‘corporate’ when stuff goes wrong. No accountability at local level. Tried to schedule an appointment to open up a business account and the person was too busy to bother calling me back. No one at the branch seemed to care either. The tellers get 5 stars but everyone else is a two star at best.

Tried ATM at the bank and service was down tried again still could not complete withdrawal so had to go to non BHFCU ATM and they refused to refund the fees saying I should have gone to another branch location. Who in the right mind would drive all the way to another branch location and try to withdraw money after two unsuccessful attempts at one location. Doesn’t the bank think it’s quite plausible that I figured their ATM service was down. Been a member for over ten years and refuse to refund $1.50 shameful service.

I have been with BHFCU since 1973. I have always loved it until now. There is no way to call the bank now without at least a 30 minute wait. I waited over 30 minutes twice today and had to quit because I was loosing cell power. I need a bank I can visit with within a reasonable about of time and this one doesn't work anymore I am considering going to a smaller credit union that has time for their customers.

I've been banking with this business since I was 14 years old, every automobile loan I've ever gotten from them I've paid on time and I've paid it off early. I've been having some medical issues; I paid for the insurance on my credit card which has refused to pay during my disability, I owe only $400 on the car that I currently have and I'm 2 years early on paying it off. But because I owe them $1200 on my credit card they are making threats to take my car. They did not ask me what was wrong, offer a payment plan or any assistance. They went straight to making threats about taking my car. This place is ridiculous they have no customer service skills. You might as well bank at Wells Fargo. An attorney told me that credit unions have special privileges they get a lot of leeway in the law that regular banks don't get so it sounds to me like legally you have more protections under any regular bank. Rather than going to a credit Union just go to a regular bank. Once the situation is worked out I will never use black hills federal credit union again. 24 years of loyalty, on time payments, and early payoff down the drain over $1200. I guess it's good to know where I stand.