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Loan Rates
Loan Rates effective as of July 29, 2008
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.
 
| Vehicle Loans - New |
Term
|
APR* as low as |
| 2006 - Newer (up to 100% Retail Value) |
24 months
|
4.60
|
| |
36 months |
4.70
|
| |
48 months
|
4.80
|
| |
60 months
|
4.90
|
|
($20,000 min.)
|
72 months
|
5.70
|
|
($25,000 min.)
|
84 months
|
6.65
|
| Vehicle Loans - Used |
Term
|
APR* as low as |
| 2001 - 2005 (up to NADA Book Retail Value) |
24 months
|
5.10
|
| |
36 months |
5.40
|
| |
48 months
|
5.60
|
| |
60 months
|
5.90
|
|
(2005 only)
|
72 months
|
6.35
|
|
1998 - 2000 (up to NADA Book Retail Value)
|
36 months
|
7.10
|
|
($10,000 min.)
|
48 months
|
8.10
|
|
1997 - Older (up to NADA Book Retail Value)
|
24 months
|
9.10
|
| Classic Car Loans |
Term
|
APR* as low as |
| Completely restored and registered at Court House as antique |
48 months
|
8.25
|
| Motorcycle Loans |
Term
|
APR* as low as |
| New and Used |
24 months
|
7.95
|
| |
36 months |
7.20
|
| |
48 months
|
6.15
|
| |
60 months
|
6.30
|
|
|
72 months
|
6.35
|
|
($20,000+)
|
84 months
|
6.45
|
| Snowmobiles, ATV & Personal Watercraft Loans |
Term
|
APR* as low as |
| New (up to 100% Retail Value) |
48 months
|
5.99
|
|
($7,000+)
|
60 months
|
6.25
|
| Used 1 to 5 Years (up to NADA Book Retail Value) |
42 months
|
6.49
|
Motor Homes, Campers, Travel Trailers, 5th Wheels,
Boats & Horse Trailer Loans |
Term
|
APR* as low as |
| New and Used |
36 months
|
8.20
|
| |
60 months
|
7.20
|
| |
84 months
|
6.20
|
|
($10,000+)
|
96 months
|
6.45
|
|
($15,000+)
|
120 months
|
7.45
|
|
($25,000+)
|
144 months
|
7.45
|
| Mobile Home Loans |
Term
|
APR* as low as |
| 0 - 5 years |
up to 144 months
|
9.50
|
| 6 - 10 years |
up to 84 months
|
10.50
|
| 11 years and older |
up to 60 months
|
11.50
|
| Personal Loans |
Term
|
APR* as low as |
| $300.00 - $999.99 |
36 months
|
13.00
|
| $1,000.00+ |
48 months |
11.15
|
| Line of Credit/Overdraft Protection |
Term
|
APR* as low as |
| |
-
|
11.15
|
| Visa Revolving Credit Card |
Term
|
APR* as low as |
| |
-
|
9.99
|
| Shares Secured |
Term
|
APR* as low as |
| |
-
|
6.50
|
| No-Equity Property Improvement Loans |
Term
|
APR* as low as |
| $1,000.00 - $10,000.00 |
up to 60 months
|
9.50
|
| $1,000.00 - $10,000.00 |
61 to 96 months
|
10.00
|
|
Instant Loan Decision Application I Loan Calculators I Back to Top
Loan payment example: At 4.5% the annual percentage rate (APR) for a 60 month term with 0% down and 30 days to 1st payment, monthly payments are calculated at $18.66 per $1,000 borrowed.
Not all borrowers qualify for lowest APR or 0% down. To find out if you qualify, please call Sentinel Federal Credit Union at 605-923-1405 or ask your Black Hills area auto dealers.
Note: Interest rates on home equity loans will increase 1% on loans with a 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property.
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.
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First Mortgage Rates
First Mortgage Rates effective as of September 8, 2008
| Type of Loan |
Rate as low as
|
APR* as low as
|
| 30 Year Conventional Conforming Fixed |
6.00
|
6.135
|
| 30 Year VA Fixed |
6.00
|
6.298
|
Please contact our Mortgage Loan Officer at 605-923-6772 or 888-923-1400 for rates on other mortgage products. *Annual Percentage Rate (APR) and rates are subject to change without notice. The APR includes one origination point and additional prepaid finance charges but does not include other closing costs. The above APRs are based on a loan amount of $150,000. The APR on the conforming fixed loan is based on a loan that does not require mortgage insurance (i.e. minimum 20% down payment). The APR on the VA fixed loan is based on a loan that finances 100% of the purchase price.
Mortgage Information I Mortgage Calculator I Mortgage Applications I Back to Top
Share Savings & Checking Rates
Share Rates effective as of August 19, 2008
| Share Savings Account |
APY* |
|
$5 - $99
|
0.000
|
|
$100 - $4,999
|
0.450
|
|
$5,000 - $24,999
|
0.650
|
|
$25,000+
|
1.050
|
| IRA Share Account |
APY* |
|
$100 minimum
|
3.000
|
| Club Accounts |
APY* |
|
Christmas Saver ($100 minimum balance)
|
1.050
|
|
Dream Saver ($100 minimum balance)
|
0.900
|
| Money Market Account (Super Saver) |
APY* |
|
$1,000 to $2,499
|
0.500
|
|
$2,500 to $9,999
|
1.250
|
|
$10,000 to $24,999
|
1.300
|
|
$25,000+
|
1.500
|
| Basic Checking Account |
APY* |
|
|
0.000
|
|
Bonus Checking Account
|
APY* |
|
$500 - $2,499
|
0.250
|
|
$2,500+
|
0.450
|
| Prime Checking Account (55+) |
APY* |
|
$1,000 minimum
|
0.450
|
| Prime Saver Account (55+) |
APY* |
|
Up to $4,999
|
0.250
|
|
$5,000 to $24,999
|
1.800
|
|
$25,000 to $49,999
|
2.000
|
|
$50,000 to $99,999
|
2.400
|
|
$100,000+
|
2.700
|
| Dormant Account |
APY* |
|
$25 minimum
|
0.030
|
*APY is Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts.
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Share Certificates &
IRA Certificates
Certificate Rates effective as of August 19, 2008
- An additional .15% added to certificates for new money only. Does not apply to specials.
- Special Bump-A-Rate available on any certificate excluding specials. Minimum deposit $500.
|
|
APY*
|
|
Term
|
$500 - $9,999
|
$10,000+
|
|
3 Month
|
2.100
|
2.600
|
|
6 Month
|
2.200
|
2.800
|
|
12 Month
|
2.750
|
3.260
|
|
18 Month
|
2.780
|
3.310
|
|
24 Month
|
2.950
|
3.450
|
|
30 Month
|
3.000
|
3.510
|
|
36 Month
|
3.270
|
3.810
|
|
60 Month
|
4.050
|
|
| 9 MONTH SPECIAL |
3.200
|
3.250
|
| 48 Month Freedom IRA Certificate |
APY* |
|
You have the freedom to bump your rate twice during the term of the IRA Certificate plus the freedom to make additional deposits of $100 or more during its lifetime.
|
4.050
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*APY is Annual Percentage Yield. $500 minimum balance requirement. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts. An additional .15% added to certificates for new money only. Does not apply to specials. Specials will automatically renew to the closest regular term. Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government and National Credit Union Administration, a U.S. Government Agency. IRAs up to $250,000.
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