Achieve My Goals

CalculatorsBack to Menu

For your convenience, we are providing several on-line loan calculators to assist you in your financial planning. Following the links below to help you make informed financial decisions.

Saving & Investing:

Manage My Finances:

Buying a Home:

Buying a Vehicle:

Loans:

Financial CoachesBack to Menu

Whether you're thinking of buying a car, a home, or just looking to get better control of your finances, try out our Anytime Advisor Online Coaches.  Through interactive exercises and simulation games, you'll learn how to make financial decisions you can be proud of.  Try one today by clicking on the “All Coaches” link below.
All Coaches

  • New Car Coach
  • Used Car Coach
  • Home Buying Coach
  • Checking
  • Couples & Money Coach  
  • Credit Coach
  • Identity Theft Coach

Identity TheftBack to Menu

OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, to secure your computer, and to protect your personal information.

Go to www.onguardonline.gov now to learn more.
 

InsuranceBack to Menu

CUNA Mutual Group

  • Accidental Death & Dismemberment Insurance – Members ages 18-65 have a free $1,000 policy paid by the credit union when they sign up for this coverage.  Ask a Financial Service Associate for details.
  • Loan Protection Insurance is available in both monthly add-on and single premium to qualifying members for either single or joint coverage in both life and disability insurance. 

  • Guaranteed Asset Protection (GAP) is a simple, low cost and easy way for you to have the security you need to protect yourself from being saddled with debt on a vehicle you no longer own

    With today's longer loan terms and higher loan balances, members often wind up owing more on their vehicle than its fair market value.If that vehicle is lost, stolen or damaged beyond repair, members are still on the hook for the difference between the net insurance settlement and the loan balance.  If it happens early in the loan term, that difference could be thousands of dollars.

  • Mechanical Repair Coverage.  MEMBER'S CHOICE® Mechanical Repair Coverage (MRC) is a competitively priced and flexible protection from unexpected vehicle repairs after the manufacturer's warranty expires. 

To learn more about what Loan Protection, GAP and Mechanical Repair Coverage can do for you, and to receive pricing estimates, visit the CUNA Mutual Insurance integrated web calculator.  Click here or contact your nearest office.

Dakota Financial Services Dakota Financial Services offers affordable insurance for auto, homeowner, renter, life, farm & ranch, and so much more.  See Joanne Smith in Sturgis or Spearfish for all your insurance needs.  Click to find out more and for contact information. 

Seminar ScheduleBack to Menu

Consumer Credit Counseling Services offers various seminars on financial education.  Click here to enter the CCCS website, then click on the Education tab to see their current schedule. 

Available courses include:

  • Credit When Credit Is Due
  • Make Your Move…A Guide to Home Ownership
  • Money in Motion

Neighborhood Housing Services of the Black Hills, Inc. offers a variety of Homebuyer Education courses all with homeownership in mind.  Click here to enter the NHSBH website, then click on the Services/Programs button on the left to see their current schedule. 

Available courses include:

  • Homebuyer Education
  • Post Purchase Classes
  • Living Within My Means
  • Developing Community Leaders Academy

Partners in Financial SuccessBack to Menu

Consumer Credit Counseling Service
Consumer Credit Counseling Service of the Black Hills (CCCS/BH) was established as a non-profit agency in Rapid City, South Dakota in 1974 to help people in our community and the surrounding area overcome their financial obstacles, achieve their financial goals, and improve the quality of their lives. We have provided immediate debt relief to consumers for more than 30 years. CCCS of the Black Hills provides information and personal counseling for debt management, housing education, budgeting and bankruptcy.  Call for an appointment.
Most of the educational products are available for sale at any office of NHFCU.
Headquarters Location:
111 St. Joseph Street Phone 605-348-4550
Rapid City, SD  57701

Neighborhood Housing Services of the Black Hills, Inc.
Neighborhood Housing Services of the Black Hills, Inc. (NHS) is a private, non-profit corporation established in 1992. Since 1992, NHS has been committed to providing decent, safe and affordable housing and revitalizing neighborhoods to improve the quality of life in each community we touch. NHS has been able to accomplish this through its many programs. The organization has grown from the dream of one to the reality of eight full-time employees dedicated to “Building Neighborhoods Together.”
Headquarters Location: 
817 ½ Main Street   Ph 605-578-1401
Deadwood SD  57732   Fx 605-578-1405

US Savings BondsBack to Menu

EE Bonds are reliable, low-risk government-backed savings products that you can use toward financing education, supplemental retirement income, birthday and graduation gifts, and other special events. Series EE Bonds purchased on or after May 1, 2005, earn a fixed rate of return, letting you know what the bonds are worth at all times.  U.S. Savings bonds may great gifts and investments and are available at all offices of Northern Hills Federal Credit Union. 

The online Savings Bond Wizard will allow you to calculate the current value of existing bonds.

CONSUMER INFORMATIONBack to Menu

Credit Reports

AnnualCreditReport.com is the official site to help consumers to obtain their free credit report.  This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies:  Equifax, Experian and TransUnion. 

We recommend that you obtain one report from alternating bureaus every four (4) months, thereby receiving three (3) in one year so that you can review your accounts on a more frequently basis for accuracy, identity theft and account takeover. 

Credit Scoring

Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Here’s how credit scoring works in helping decide who gets credit — and why.

Opt Out of Solicitations

Unsolicited Mail, Telemarketing and Email: Where to Go To “Just Say No” is a website provided by the Federal Trade Commission to help you in dealing with unwanted offers.

Are you tired of having your mailbox crammed with unsolicited mail, including pre-approved credit card applications? Fed up with getting telemarketing calls just as you’re sitting down to dinner? Fuming that your email inbox is chock-full of unsolicited advertising? The good news is that you can cut down on the number of unsolicited mailings, calls and emails you receive by learning where to go to “just say no.”  The Federal Trade Commission will walk you through the process required to officially opt out and “Just Say No!” to unwanted offers.