personal loans

Personal Loans
We offer competitive signature loans for a variety of purposes. You do not have to provide collateral for the loan.

Line of Credit and Overdraft Protection
Stay in control of your finances with a personal line of credit from Sentinel Federal Credit Union. Just like a credit card but without the plastic. Use what you need, when you need it and pay interest only on the amount you use. Your funds become available again as you pay down your balance.

  • Lines of credit up to $25,000 with rates as low as 9.45% APR*
  • No annual fee
  • No penalty for early payoff
  • No transfer fees when you transfer funds from your line of credit to your checking account using It’s Me 247 Online Banking, CU*TALK phone banking, in person at any Sentinel Federal branch or at a Sentinel Federal ATM
  • Provides overdraft protection on your checking account when you need it*
*APR = Annual Percentage Rate. The APR is the Credit Union’s Standard Rate as of May 15, 2014. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. For overdraft protection transfers, there is a $5 notification fee per $50 increment. 

Share Secured Loans
Low cost financing while you continue to save.

  • Use your savings or certificate as security for your loan
  • Offered at very special rates and terms
  • Fast loan processing
  • Ideal solution when you can’t decide if you should pay cash, by taking the money out of savings, or borrow the money

Short Term – Small Amount Loan (Payday Loan Alternative)
Now there’s a better way to borrow quick cash with an affordable, short-term loan from Sentinel Federal Credit Union. Our quick-cash, short-term loan is a better alternative compared to a loan from a payday lender or check cashing outlet. When you run short on cash, contact us for an affordable, short-term loan. We’ll help you get back on track and save you money.

  • Short-term loans start at $200 with a maximum of $1,000
  • No credit check or collateral is required
  • Up to 28% Annual Percentage Rate
  • $20 application fee
  • Up to 6 months to pay back your loan
  • Available to members of Sentinel Federal Credit Union with an account in good standing that has been open for at least 30 days
  • Financial counseling available and encouraged at no additional charge

Who Can Join Sentinel Federal
You are eligible for membership at Sentinel Federal Credit Union if you live, work, worship, or go to school in, or are a business or other legal entity located in the following South Dakota counties: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette. We’d also like to remind you that your family members are eligible to join. This includes your spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships.


Apply Online!