Credit Union in Rapid City, SD
Looking for a credit union in Rapid City, SD that knows your name? Dakota Star Federal Credit Union is a member-owned, not-for-profit financial cooperative that has served Rapid City and the Black Hills region since the 1950s. At Dakota Star FCU, you are not an account number. You are family.
Two Rapid City locations, free credit monitoring, and nationwide ATM access make everyday banking simple. Whether you are opening your first account, financing a vehicle, or finding a better home for your savings, our team is ready to help.
A Member-Owned Credit Union in Rapid City, SD
Banks answer to shareholders. Dakota Star FCU answers to you. As a not-for-profit credit union, we return earnings to our members through better rates and lower fees instead of paying outside investors. Every member is an owner, and people who live and work in the Rapid City community make decisions locally.
Larger institutions can feel distant. We take a different approach, with the personal service and community roots that come with being a smaller, local credit union. When you visit either Rapid City location or call (605) 342-6442, you'll speak with a team invested in the Black Hills community. Learn more about our mission and history.
Why Choose a Credit Union in Rapid City, SD?
Here is what sets Dakota Star FCU apart from national banks and larger Rapid City credit unions:
Member ownership. Our not-for-profit model means the focus stays on serving members, not shareholders.
Free credit monitoring. Credit Sense is a free credit monitoring tool exclusive to Dakota Star FCU members.
CO-OP Shared Branching. Enjoy free ATM access at 30,000+ locations nationwide, plus thousands of shared branch locations, whether you are in the Black Hills or across the country.
Saturday drive-up service. Both Rapid City locations offer Saturday drive-up hours from 9:00 am to 12:00 Noon.
Once a member, always a member. Your membership stays with you, even if your job or address changes.
Whether you live in West Rapid City, near our Main Office on W. St. Louis St., or on the east side, near our Branch Office on E. St. Patrick St., you have a convenient place to bank, borrow, and get answers from people who care about your goals.
Banking and Borrowing at Your Credit Union in Rapid City, SD
From your first checking account to your next big purchase, Dakota Star FCU offers a full range of products for individuals and families across the Black Hills region.
Checking and Savings
Our checking accounts are built for everyday life, with mobile wallet support through Apple Pay, Google Pay, and Samsung Pay. Qualified members can also add Overdraft Protection, an unsecured line of credit from $50 to $15,000.
Ready to grow your money? Explore our savings accounts and share certificates, then view current savings rates before you decide.
Loans and Credit Cards
Whether you need a vehicle loan, a home equity loan, or a personal loan, you will find financing designed around members. Shopping for a vehicle? Our competitive auto loan rates and flexible financing make getting behind the wheel simple.
Building or rebuilding credit? A Shared Secured Loan lets you borrow up to 95% of your share balance. Our VISA credit card is another option for everyday purchases. Browse every product and view current loan rates on our loans page.
Digital Banking for Busy Schedules
Manage your accounts from anywhere with online and mobile banking. Check balances, move money, and stay on top of your finances on your own schedule. Between online banking, mobile wallets, and CO-OP Shared Branching, you can handle most of your banking without a trip to the lobby, and our friendly team is always here when you want to talk in person.
Visit Our Credit Union Locations in Rapid City, SD
Dakota Star FCU has two convenient Rapid City locations, each with drive-up service and Saturday hours.
Main Office
3122 W. St. Louis St., Rapid City, SD 57702
Lobby: Monday through Friday, 9:00 am to 5:00 pm
Drive-Up: Monday through Friday, 7:30 am to 5:30 pm | Saturday, 9:00 am to 12:00 Noon
Branch Office
1636 E. St. Patrick St., Rapid City, SD 57703
Lobby: Monday through Friday, 9:00 am to 5:00 pm
Drive-Up: Monday through Friday, 8:00 am to 5:30 pm | Saturday, 9:00 am to 12:00 Noon
Need directions or have a question? Visit our contact and locations page or call (605) 342-6442. Toll-free, call (800) 418-0369.
Who Can Join Our Credit Union in Rapid City, SD?
Membership is open to more people than you might expect. Anyone who lives, works, worships, or attends school in Pennington, Meade, Lawrence, Custer, or Fall River County, South Dakota, can join Dakota Star FCU. Immediate family members of existing members are also eligible.
Getting started is easy. Membership begins with a $5 minimum share deposit, and once you join, you stay a member for life, no matter where work or family takes you. Read more about membership eligibility and benefits, or start your membership application today.
Join the Credit Union in Rapid City, SD That Feels Like Family
Your neighbors are already banking with Dakota Star FCU, and there is a place for you here too. Join today to enjoy member ownership, free Credit Sense monitoring, CO-OP ATM access, and personal service from a team that knows the Black Hills. Already a member? Apply for your next loan online.