rates

Loan Rates

Loan Rates effective as of Feb. 18, 2014
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

 

New Vehicle Loans (2012 and Newer)

Term APR* as low as
24 months 2.25
36 months 2.50
48 months 2.70
60 months 2.75
72 months ($20,000 min) 3.15
84 months ($25,000 min) 5.00

Used Vehicle Loans (2007 – 2011)

Term APR* as low as
24 months 2.80
36 months 2.85
48 months 2.90
60 months 2.95
72 months (2011 only) 3.40

Used Vehicle Loans (2004 – 2006)

Term APR* as low as
36 months 4.10
48 months ($10,000 min) 5.10

Used Vehicle Loans (2003 and Older)

Term APR* as low as
36 months 6.99

Classic Cars
Completely restored and registered at Court House as antique

Term APR* as low as
48 months 6.99

Motorcycle Loans – New and Used

Term APR* as low as
24 months 5.50
36 months 5.50
48 months 5.50
60 months 5.00
72 months 5.00
84 months ($20,000+) 5.25

Snowmobiles, ATV & Personal Watercraft Loans

Term APR* as low as
New – 48 months 4.49
New – 60 months ($7,000+) 4.69
Used (1 to 5 years) – 42 mo 5.49

Motor Homes, Campers, Travel Trailers, 5th Wheels,
Boats & Horse Trailer Loans

Term APR* as low as
36 months 6.95
60 months 6.50
84 months 5.75
96 months ($10,000+) 5.85
120 months ($15,000+) 6.25
144 months ($25,000+) 6.85

Personal Loans

Term APR* as low as
$300.00-$999.99 (18 months) 13.00
$1,000+ (60 months) 9.00

Other Loans

Term APR* as low as
Line of Credit 9.45
Shared Secured 6.50
Home Equity Loan & Line of Credit -
Visa Credit Card -

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.

First Mortgage Rates

Please contact our Mortgage Loan Officer at 605-923-6772 or 888-923-1400 for rates and applications for our first mortgage products and residential lot loans.

Share Savings & Checking Rates

Share Rates effective as of April 1, 2014

Share Savings Account APY*
$5.00 – $99.99 0.000
$100.00+ 0.030
IRA Share Account APY*
$100.00 minimum 0.400
Club Accounts APY*
Christmas Saver ($100.00 minimum balance) 0.100
Dream Saver ($100.00 minimum balance) 0.100
Money Market Account (Super Saver) APY*
$1,000.00 – $24,999.99 0.050
$25,000.00+ 0.070
Prime Saver Account APY*
Up to $4,999.99 0.000
$5,000.00 – $24,999.99 0.050
$25,000.00 – $49,999.99 0.070
$50,000.00 – $99,999.99 0.150
$100,000.00+ 0.200
Checking Accounts APY*
Basic Checking 0.000
Bonus Checking: $500.00 – $2,499.99 0.000
Bonus Checking: $2,500.00+ 0.030
Prime Checking (55+): $1,000.00 minimum 0.030
Dormant Account: $5.00 minimum 0.010

*APY is Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts.

Share Certificates & IRA Certificates

Certificate Rates effective as of April 1, 2014

Term $500 Minimum Balance
APY*
48-Month Freedom IRA Certificate 1.250

For the 48-Month Freedom IRA Certificate accountholders may bump up once during the term and may make additional deposits of $100 or more during its lifetime.

Term $500 Minimum Balance
APY* 
3 Months 0.100
6 Months 0.200
12 Months 0.300
24 Months 0.500
36 Months 0.800
48 Months 1.000
60 Months 1.250

*APY = Annual Percentage Yield. $500 minimum balance requirement. Rates subject to change without notice. Early withdrawal penalties may apply. Specials will automatically renew into the same term at maturity if that same term special is available from the Credit Union. Otherwise specials will automatically renew to the closest regular term. Maximum $100,000 in special certificates per social security number. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and National Credit Union Administration (NCUA), a U.S. Government Agency. IRA deposits are federally insured to at least $250,000 by NCUA.