US Bank Directory
Banks in Spearfish, SD
9 FDIC-insured banks operate 11 offices in Spearfish, South Dakota, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Spearfish
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 12 banks and credit unions operate 14 locations in Spearfish, according to the FDIC and the NCUA. 14 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
14 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Spearfish
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First Interstate Bank and Pioneer Bank & Trust have the most locations in Spearfish, with 2 each. 7 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
First Interstate Bank Bank · 2
First Interstate Bank has 2 branches in Spearfish, 46 across South Dakota and 274 nationwide. FDIC records list its main office in Billings, MT and show it operating since 1916. With $25.79 billion in total assets on June 30, 2026, it ranks No. 83 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Spearfish location is the Spearfish Main Branch at 1400 North Ave, dating to 1983; the newest, at 311 N 27th St, to 2005. None of its 2 Spearfish locations with published hours lists Saturday hours.
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Spearfish Main Branch1400 North Ave, 57783
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Interstate Bank branch locator (All The Places), checked Oct 10, 2026
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Spearfish Lookout Mountain Branch311 N 27th St, 57783
All hours
Mon closed; Tue to Fri 9 am to 5 pm; Sat to Sun closed
Hours: First Interstate Bank branch locator (All The Places), checked Oct 10, 2026
Pioneer Bank & Trust Bank · 2
Pioneer Bank & Trust has 2 branches in Spearfish, 7 across South Dakota and 7 nationwide. FDIC records list its main office in Belle Fourche, SD and show it operating since 1937. With $1.01 billion in total assets on June 30, 2026, it ranks No. 1,040 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Spearfish location is the Spearfish Branch at 140 E Jackson Blvd, dating to 1961; the newest, at 125 E Colorado Blvd, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Administration Center125 E Colorado Blvd, 57783
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Spearfish Branch140 E Jackson Blvd, 57783
Bank of England Bank · 1
Bank of England has 1 branch in Spearfish, 1 across South Dakota and 151 nationwide. FDIC records list its main office in England, AR and show it operating since 1898. With $332.3 million in total assets on June 30, 2026, it ranks No. 2,339 of 4,232 U.S. banks by total assets. The Eng Lending at 119 E Grant St dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Eng Lending119 E Grant St, 57783
BankWest Bank · 1
BankWest has 1 branch in Spearfish, 22 across South Dakota and 22 nationwide. FDIC records list its main office in Pierre, SD and show it operating since 1889. With $1.93 billion in total assets on June 30, 2026, it ranks No. 620 of 4,232 U.S. banks by total assets. The Bankwest, Inc Spearfish Branch at 120 E Michigan St dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Bankwest, Inc Spearfish Branch120 E Michigan St, 57783
Black Hills Community Bank Bank · 1
Black Hills Community Bank has 1 branch in Spearfish, 2 across South Dakota and 2 nationwide. FDIC records list its main office in Rapid City, SD and show it operating since 2007. With $489.7 million in total assets on June 30, 2026, it ranks No. 1,823 of 4,232 U.S. banks by total assets. The Black Hills Community Bank - Spearfish Branch at 215 E Jackson Blvd dates to 2015 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Black Hills Community Bank - Spearfish Branch215 E Jackson Blvd, 57783
Black Hills Credit Union Credit union · 1
Black Hills Credit Union has 1 office in Spearfish, 19 across South Dakota. It is based in Rapid City, SD and $2.37 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Spearfish Member Service Center835 N Main St, 57783
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Highmark Credit Union Credit union · 1
Highmark Credit Union has 1 office in Spearfish, 4 across South Dakota. It is based in Rapid City, SD and $260.1 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Spearfish Branch309 W Jackson Blvd, 57783
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Legends West Bank Bank · 1
Legends West Bank has 1 branch in Spearfish, 1 across South Dakota and 2 nationwide. FDIC records list its main office in Lewellen, NE and show it operating since 1905. With $157.8 million in total assets on June 30, 2026, it ranks No. 3,267 of 4,232 U.S. banks by total assets. The Spearfish Branch at 522 N Main St dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Spearfish Branch522 N Main St, 57783
Northern Hills Credit Union Credit union · 1
Northern Hills Credit Union has 1 office in Spearfish, 5 across South Dakota. It is based in Sturgis, SD and $196.6 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Nhfcu032430 Platinum Dr Suite 3, 57783
All hours
Mon to Fri 8 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Security First Bank Bank · 1
Security First Bank has 1 branch in Spearfish, 4 across South Dakota and 36 nationwide. FDIC records list its main office in Lincoln, NE and show it operating since 1924. With $2.32 billion in total assets on June 30, 2026, it ranks No. 538 of 4,232 U.S. banks by total assets. The Security First Bank - Spearfish Branch at 2405 E Colorado Blvd dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Security First Bank - Spearfish Branch2405 E Colorado Blvd, 57783
Sundance State Bank Bank · 1
Sundance State Bank has 1 branch in Spearfish, 1 across South Dakota and 2 nationwide. FDIC records list its main office in Sundance, WY and show it operating since 1895. With $290.9 million in total assets on June 30, 2026, it ranks No. 2,531 of 4,232 U.S. banks by total assets. The Spearfish Branch at 2530 Yukon Pl dates to 2025 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Spearfish Branch2530 Yukon Pl, 57783
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Spearfish, 30 across South Dakota and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Spearfish Branch at 131 W Hudson St dates to 1935 in FDIC branch records. It opens on Saturday.
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Spearfish Branch131 W Hudson St, 57783
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Spearfish
3 credit unions have 3 offices here: Black Hills Credit Union, Highmark Credit Union and Northern Hills Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Spearfish page has every office in the state's directory.
Banking in Spearfish: the local picture
Short answer: 9 banks run 11 branches in Spearfish according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 9 banks, 0 have their main office in Spearfish, 4 elsewhere in South Dakota and 5 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Wells Fargo's office at 131 W Hudson St, dating to 1935; the newest is Security First Bank's at 2405 E Colorado Blvd, from 2026.
3 credit unions have 3 offices in Spearfish, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 2 open on Saturday. 8 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Spearfish
Short answer: 2 of the 6 Spearfish locations with published hours open on Saturday, run by 2 institutions.
- Wells Fargo: 1 of 1 branch (131 W Hudson St: Saturday 9 am to 2 pm)
- Northern Hills Credit Union: 1 of 1 office (2430 Platinum Dr Suite 3: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 8 of the 14 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Spearfish, and where the nearest one is if they do not.
Short answer: In Spearfish: Wells Fargo (1). No branches in Spearfish: Chase (nearest in Sioux Falls, 358 mi), Bank of America, PNC Bank, U.S. Bank (nearest in Rapid City, 41 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Lemmon, 130 mi).
| Bank | In Spearfish | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Chase | None | Sioux Falls, 358 miles away |
| Bank of America | None | none in South Dakota |
| PNC Bank | None | none in South Dakota |
| U.S. Bank | None | Rapid City, 41 miles away |
| Truist | None | none in South Dakota |
| Fifth Third Bank | None | none in South Dakota |
| Huntington | None | none in South Dakota |
| Regions Bank | None | none in South Dakota |
| TD Bank | None | none in South Dakota |
| BMO | None | Lemmon, 130 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spearfish to the nearest branch in South Dakota.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Spearfish residents like anyone else.
Banks near Spearfish
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Lead (10 miles) and Belle Fourche (13 miles). Rapid City, 42 miles away, has the most banks nearby: 10.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Lead, SD | 10 mi | 2 | 2 |
| Banks in Belle Fourche, SD | 13 mi | 2 | 2 |
| Banks in Sturgis, SD | 17 mi | 4 | 4 |
| Banks in Rapid City, SD | 42 mi | 10 | 20 |
| Banks in Custer, SD | 52 mi | 2 | 2 |
| Banks in Hot Springs, SD | 76 mi | 2 | 2 |
| Banks in Lemmon, SD | 130 mi | 2 | 2 |
| Banks in Murdo, SD | 161 mi | 2 | 2 |
Bank branch openings and closings in Spearfish
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 2 branch openings in Spearfish between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Aug 3, 2026 | Opened | Security First Bank | 2405 E Colorado Blvd, 57783 |
| Sep 15, 2025 | Opened | Sundance State Bank | 2530 Yukon Pl, 57783 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Largest banks in Spearfish by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spearfish offices.
Short answer: Wells Fargo is the largest bank with offices in Spearfish, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. First Interstate Bank is second with $25.79 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| First Interstate Bank | $25.79 billion | No. 83 | 2 | Billings, MT |
| Security First Bank | $2.32 billion | No. 538 | 1 | Lincoln, NE |
| BankWest | $1.93 billion | No. 620 | 1 | Pierre, SD |
| Pioneer Bank & Trust | $1.01 billion | No. 1,040 | 2 | Belle Fourche, SD |
| Black Hills Community Bank | $489.7 million | No. 1,823 | 1 | Rapid City, SD |
| Bank of England | $332.3 million | No. 2,339 | 1 | England, AR |
| Sundance State Bank | $290.9 million | No. 2,531 | 1 | Sundance, WY |
| Legends West Bank | $157.8 million | No. 3,267 | 1 | Lewellen, NE |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Spearfish: FAQ
How many banks are in Spearfish, SD?
Spearfish has 9 banks with 11 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Spearfish?
First Interstate Bank, with 2. Pioneer Bank & Trust has 2 and Wells Fargo has 1.
Is there a First Interstate Bank in Spearfish, SD?
Yes. FDIC data lists 2 First Interstate Bank branches in Spearfish as of September 5, 2026. Its branches are listed under First Interstate Bank above, with the address and directions for each.
Is there a Pioneer Bank & Trust in Spearfish, SD?
Yes. FDIC data lists 2 Pioneer Bank & Trust branches in Spearfish as of September 5, 2026. Its branches are listed under Pioneer Bank & Trust above, with the address and directions for each.
Is there a Wells Fargo in Spearfish, SD?
Yes. FDIC data lists 1 Wells Fargo branch in Spearfish as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Chase in Spearfish, SD?
No. FDIC data lists no Chase branch in Spearfish as of September 5, 2026. The nearest is in Sioux Falls, about 358 miles away in a straight line.
Which banks in Spearfish are open on Saturday?
Wells Fargo and Northern Hills Credit Union publish Saturday hours for one or more Spearfish locations. The Saturday section above lists each one with its hours. 8 of the 14 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Spearfish?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Spearfish?
Black Hills Credit Union, Highmark Credit Union and Northern Hills Credit Union have offices in Spearfish. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Spearfish in the past year?
FDIC branch records show 2 branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Spearfish?
Nearby cities with more banks include Lead, Belle Fourche, Sturgis. Lead is 10 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 11 branches: First Interstate Bank, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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