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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
HIGHMARK Rates & Review October 2026HIGHMARK's top rates as of October 14, 2026 are 4.10% APY on its 25 Month CDs of Deposit CD, 2.78% APY on money market accounts, auto loans from 4.25% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other HIGHMARK CD rates include 10 Month CDs of Deposit at 4.00%, 24 Month CDs of Deposit - Platinum Rate at 3.84%, and 36 Month CDs of Deposit - Platinum Rate at 3.84%. MonitorBankRates evaluates the financial stability of HIGHMARK with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.01%. Rates last updated and verified on 10/14/2026. HIGHMARK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HIGHMARK? Share your experience about HIGHMARK by leaving a review below, or read customer reviews before you decide to use HIGHMARK. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. HIGHMARK CD Rates
HIGHMARK Savings Rates
HIGHMARK Money Market Rates
HIGHMARK Business Money Market Rates
HIGHMARK Auto Loan Rates
HIGHMARK RV, Boat and Powersport Loan Rates
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HIGHMARK Other Rates
Financial Health HistoryHIGHMARK’s Texas Ratio fell from 26.05% in Q3 2023 to 13.01% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 5.0 and its Health Grade from C+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HIGHMARK is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather HIGHMARK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with HIGHMARK's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HIGHMARK
Website
http://www.highmarkfcu.com
Address
725 5th St,
Rapid City, SD 57701
Phone
605-716-4444
Fax
605-343-4927
President
Dorothy Peacock
CEO
Mindy Howard
Full-Time Employees
59
Part-Time Employees
4
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.01%
Return on Assets (ROA)
0.1812%
Return on Equity (ROE)
2.3605%
Non-Performing Loans Ratio (NPL)
1.43%
Total Assets
257,807,982
Total Amount of Shares and Deposits
235,085,817
Total Shares and Deposits < 1 Year
229,877,239
Total Shares and Deposits 1 3 Years
4,752,982
Total Shares and Deposits > 3 Years
455,595
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,636,123
Total Uninsured Shares and Deposits > $250K (F+J)
26,636,123
Total Insured Shares and Deposits > $250K (item 17 less item K)
208,449,694
Total Interest Expense (Sum of items 6 8)
2,245,897
Share Certificates
1,805
Number of Accounts for Share Drafts
10,029
IRA KEOGH Accounts
457
Number of Accounts for Regular Shares
14,282
Non Member Deposits
5
Money Market Shares
483
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
31,685,161
Total Liabilities
240,712,630
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About HIGHMARKHow many branches does HIGHMARK operate?HIGHMARK currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join HIGHMARK?Yes, to access services at HIGHMARK, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, HIGHMARK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, HIGHMARK provides members with tools to manage their accounts and build a solid financial history. Does HIGHMARK offer online and mobile banking?Most modern institutions like HIGHMARK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.highmarkfcu.com. Current HIGHMARK Rates
Retrieved from our database of financial products. Rates subject to change.
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