RANKING ·
Lowest cost of shares and deposits in South Dakota
12 of 33 credit unions in South Dakota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Cost of all shares and deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Service First Federal Credit Union | Sioux Falls, SD | 0.41% | $210 million |
| 2 | Explorers Federal Credit Union | Yankton, SD | 0.41% | $111 million |
| 3 | Bluestone Federal Credit Union | Sioux Falls, SD | 1.09% | $206 million |
| 4 | Sentinel Federal Credit Union | Box Elder, SD | 1.30% | $199 million |
| 5 | Levo Federal Credit Union | Sioux Falls, SD | 1.31% | $516 million |
| 6 | Area Federal Credit Union | Aberdeen, SD | 1.68% | $200 million |
| 7 | Dakotaland Federal Credit Union | Huron, SD | 1.73% | $752 million |
| 8 | Voyage Federal Credit Union | Sioux Falls, SD | 1.76% | $285 million |
| 9 | Northern Hills Federal Credit Union | Sturgis, SD | 1.87% | $205 million |
| 10 | Black Hills Federal Credit Union | Rapid City, SD | 1.88% | $2.4 billion |
| 11 | Highmark Federal Credit Union | Rapid City, SD | 1.88% | $258 million |
| 12 | Aspen Federal Credit Union | Rapid City, SD | 2.51% | $173 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings