You may access your account, fee-free, by using your Sentinel Federal ATM card or Debit Card at the following Sentinel Federal-owned ATMs:

Rapid City, SD
Drive-Up ATM: Haines Branch – 1430 N Haines Ave
Drive-Up ATM: Triple Crown Branch – 4011 Triple Crown Dr

Ellsworth AFB, SD
Drive-Up ATM: Located in BX Parking Lot
Walk-Up ATM: Located in Shoppette

Box Elder, SD – New Location
Drive-Up ATM: 447 North Ellsworth Road (next to Villa Car Wash)

Mailing Address:

Sentinel Federal Credit Union
PO Box 700
Box Elder SD 57719

Branch Locations & Hours:

Main Office
On Ellsworth AFB connected to BX
Mail: PO Box 700 – Box Elder SD 57719
Phone: 605-923-1405 / 888-923-1400
Fax: 605-923-3960
Overseas DSN: 675-6303
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT) 
Contact Us

Haines Branch
1430 N Haines Ave, Suite 101 – Rapid City, SD 57701
Phone: 605-923-1405 / 888-923-1400
Fax: 605-348-8047
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT)
Drive-Up: Mon – Fri 7:30 am – 5:30 pm (MT) / Saturday 9:00 am – Noon (MT)  

Triple Crown Branch
4011 Triple Crown Dr – Rapid City, SD 57701
Phone: 605-923-1405 / 888-923-1400
Fax: 605-342-2055
Call Center Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Lobby Hours: Mon – Fri 9:00 am – 5:00 pm (MT)
Drive-Up: Mon – Fri 9:00 am – 5:00 pm (MT) / Saturday 9:00 am – Noon (MT)   

Winner Branch
757 W 2nd St – Winner, SD 57580  
Mail: PO Box 87 – Winner, SD 57580
Phone: 605-842-3581 / 888-923-1400
Fax: 605-842-1370  
Lobby Hours: Mon – Fri 8:30 am – 3:30 pm (CT)
Drive-Up: Mon – Fri 8:00 am – 3:30 pm (CT)

To Report Lost or Stolen Cards

If your Sentinel Federal card is lost or you believe it has been stolen, call us immediately at the appropriate number below.

During Normal Business Hours: Mon – Fri 8:00 am – 5:00 pm (MT)
Phone: 605-923-1405 / 888-923-1400

After Business Hours:
ATM Cards: 800-472-3272
Debit Cards: 800-682-6075
Credit Cards: 800-543-5073

Shared Branching

Shared Branching gives you convenient access to your credit union accounts at over 185 credit union locations. Get details

CUDL AutoSMART has it all:

• Extensive new and used auto inventories of dealers in your area and exceptional pricing
• Valuable vehicle research and comparisons
• Easy-to-use loan calculators

Ask us about this valuable member benefit or visit our CUDL AutoSMART website today.

We believe that you get the best car buying value when you have your loan pre-approved before you go vehicle shopping. We’ll give you great car buying tips that can save you money. You’ll also know how much you can afford to spend on that new auto and what your monthly payments will be. Then when you’re ready to buy you’ll be purchasing with the buying power of cash. Since buying a vehicle is one of the most significant purchases we make, doesn’t it make sense to take a little more time and become an informed shopper. We’d love to help you get the best deal.

Additional Benefits:

• 100% financing on most new and used vehicles
• The better your credit, the better your rate
• Simple interest at a competitive rate
• No penalty for early payoff
• Credit Life and Disability Insurance offered at low rates

Get Preapproved

GAP (Guaranteed Asset Protection)

Do you owe more than your vehicle is worth? Ever consider what will happen if your vehicle is totaled in an accident or stolen? GAP is designed to protect members against financial loss in the event their vehicle is stolen or declared a total loss due to an insured peril. GAP pays the difference between the primary auto insurance carrier’s settlement and the protected loan balance. Most everyone is eligible for the coverage and for a small charge you can sleep well knowing your investment is protected.

MRC (Mechanical Repair Coverage)

Have you ever considered buying an extended warranty? Have you been over-charged at a dealership in the past? Mechanical Repair Coverage helps pay the covered repairs on your vehicle when the unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total thousands of dollars. With MRC, your vehicle will be back on the road and you will rest easy knowing you saved a lot of money. 

Time for a new car? Click. Shop. Drive!

Sentinel Federal Credit Union is proud to introduce CUDL AutoSMART. It’s a free online resource that offers valuable research tools and resources to help you make more informed decisions the next time you’re considering a vehicle purchase.

CUDL AutoSMART has it all:

• Extensive new and used auto inventories of dealers in your area and exceptional pricing
• Valuable vehicle research and comparisons
• Easy-to-use loan calculators

Ask us about this valuable member benefit or visit our CUDL AutoSMART website today.

Online Auto Auction

Assets

Liabilities

2011 Annual Report

The NMLS launched a consumer focused Web site, NMLS Consumer Access, which makes information available about mortgage loan originators. Visit the NMLS Consumer Access website for more information.

Sentinel Federal Credit Union: NMLS# 449573

Buy electronic savings bonds online
Savings bonds are available for purchase as electronic issues in TreasuryDirect®. TreasuryDirect is a secure Web-based system that allows investors to establish accounts to purchase, hold and manage Treasury securities online at www.treasurydirect.gov.

Advantages of TreasuryDirect
Here are some of the advantages of TreasuryDirect:

Security. TreasuryDirect bonds are electronic, and securely stored in your online account. No paper bonds to store and manage.
Flexibility. You manage your electronic bonds online as your needs and financial circumstances change.
Convenience. You manage your Treasury investments 24 hours a day from the convenience of your own home, work, or anywhere that you have online access through a secure Internet connection.
Fast. Your electronic savings bonds are posted to your account just one business day after purchase.

Convert paper savings bonds to electronic
Paper bonds can be converted to electronic savings bonds in TreasuryDirect using a program called SmartExchange®. There’s no charge to convert paper bonds. They won’t lose any of the interest earned, and they retain their original issue dates and interest rate terms.

Purchase electronic savings bonds as a gift
TreasuryDirect has a gift feature so customers can buy electronic savings bonds as gifts. To purchase an electronic savings bond as a gift, you need the recipient’s full name and Social Security Number and/or taxpayer ID number. The gift bond is placed in your “Gift Box” within your account until you obtain the TreasuryDirect account number of the recipient and are ready to transfer the bond into the recipient’s account. The gift recipient will then receive an e-mail announcing the transfer of the bond. Anyone 18 years of age or older can be a TreasuryDirect account holder.

Open your TreasuryDirect account today
Opening a TreasuryDirect account is free at www.treasurydirect.gov. Bonds bought electronically through TreasuryDirect are safely maintained in your account with the U.S. Treasury. It’s convenient and secure. Are you interested in watching an informative video on how to open a TreasuryDirect account? If so, visit the TreasuryDirect Videos page.

• Call Sentinel Federal Credit Union at least 48 hours in advance at 605-923-1405 or toll-free at 888-923-1400 to let us know the dates and locations you will be visiting and if you will be making large transactions in those areas.
• Make sure we have correct phone numbers to contact you in case we see unusual activity on your card while you are traveling.
• If your card is blocked, please call Falcon at 866-334-1048.

It’s Me 247 Online Banking plus E-Statements

Take care of your finances from the comfort of your home for free! 

• View your e-Statements online*
• Review account balances
• Transfer funds and make payments
• Apply for loans
• Get notifications with eAlerts
• Plus all of your transactions post in real time!

Enroll in Online Banking & e-Statements today!

Mobile Web Banking

Take care of your finances on the go with Mobile Web Banking! 

• Check balances
• Transfer funds
• Monitor account status and more!

6 Tips for Safer Online Banking

1. Do not reply to any email, text or phone requests asking for your online banking credentials. We will never contact you and ask you to provide this information.
2. Use strong passwords and keep them safe.
3. Don’t use the same password for many accounts.
4. Update anti-virus and spyware software regularly.
5. Protect your wireless network at home and be cautious about the information you access or send from a public wireless network.
6. Monitor your online banking account on a regular basis and contact us immediately at 605-923-1405 or toll-free at 888-923-1400 if you believe that an electronic fund transfer has been made without your permission or if there is suspicious activity on your account. If you notify us promptly your losses may be limited to no more than $50.

We also recommend that our commercial online banking account holders perform a risk assessment and a controls evaluation periodically.

For more information on how to guard your personal information and protect yourself against fraud visit CU*Secure and our Consumer Education site provided by Harland Clarke.

Questions: 

• Need to reactivate your online banking account?
• Forgot your online banking password?
• Need to cancel your online banking services? View the Online Services Cancellation Request Form 

Routing Number: 291479291

Sign up for the freedom of EasyPay Online Bill Pay

When you have EasyPay Online Bill Pay from Sentinel Federal Credit Union, you’ll have more freedom to enjoy life. Here’s how EasyPay gives you convenience, savings and security. You can:

• Receive and pay your bills electronically, all in one place
• Make payments anywhere, anytime, even when you’re traveling
• Schedule payments in advance and never worry about missing a bill or paying late fees
• Save money on stamps and envelopes, save time with no trips to the post office
• Guard against identity theft from lost or stolen checkbooks and bills by receiving and paying bills online instead of by unsecured mail

To learn more about how to simplify life with EasyPay Online Bill Pay, view the demo.

Enroll today! The first two months are free and then it’s just $4.95 a month.

1. Log on to It’s Me 247 Online Banking
2. Click on “Pay My Bills” to access the enrollment form
3. Complete the enrollment form and you’re all set

With interest rates at record lows, now is an excellent opportunity to reduce your monthly mortgage payment.

• Refinance your adjustable rate mortgage and save with today’s low rates.
• Tap the cash equity you’ve built in your home and pay off bills or take that well-deserved vacation.
• Buy the home of your dreams or remodel your current home.

Regardless of your needs, we can help. In a brief, free consultation we can review your current loan program and help you find exactly what you need to reach the financial fitness you desire. With hundreds of different loan programs to offer, we will find just the loan you need.

Send us a message to request your free consultation or call us today at 605-923-1405 or toll-free at 888-923-1400 and learn how Sentinel Federal Credit Union can help you get financially fit.

Home Loans

• First Mortgage Loans
• Refinances
• Residential Lot Loans
• Home Equity & Line of Credit Loans

Financial Fitness 101

• What factors are affecting your credit score?
• How to save for the home of your dreams
• Helpful do’s and don’ts when applying for a mortgage

Calculators

• How much home can I afford?
• Mortgage Payment Calculator
• Comparing mortgages (i.e. 15, 20, 30 year).

MEMBERS® Auto and Homeowners Program
You trust Sentinel Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Get a Quote Now

Your financial goal is our priority and we can help you reach those goals. Looking to buy a new car? Get pre-approved so you can go shopping with confidence for your new wheels. Time to own your own home? Then stop by and talk to us first. We’ll find the mortgage that’s right for your budget. Times have been tough. But now there is opportunity to get back on track. Remember we’re here for you every step of the way. Contact us today or apply online.

• New and Used Vehicle Loans
• Recreational Vehicle Loans
• First Mortgage Loans
• Home Equity & Line of Credit Loans
• Residential Lot Loans
• Personal Loans
• Line of Credit/Overdraft Protection
• Shared Secured Loans
• Credit Cards
• Need quick cash? Learn about our Payday Loan Alternative

Credit When Credit is Due
A financial course that teaches you how to manage your money.

• We offer a ½% discount on your next loan after completing this course
• More information on “Credit When Credit is Due” is available at http://www.creditwhencreditisdue.com/

Credit Life Insurance
There’s no way your family can prepare for an unexpected death, but you can take steps along the way to help ensure your family is provided for if the unexpected occurs. MEMBER’S CHOICE® Credit Life Insurance, underwritten by CUNA Mutual Insurance Society, may help pay your loan, so your loved ones don’t have to. Contact us today about Credit Life Insurance.

MEMBERS® Auto & Homeowners Insurance Program
You trust Sentinel Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto & Homeowners Insurance Program.

• The MEMBERS Auto & Homeowners Insurance Program is the property and casualty coverage solution preferred by credit unions and their members.
• Access convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24 hours a day.
• Obtain a free, no-obligation quote.

Click here to start saving!

MyLoanInsurance.com
If you received a notice in the mail requesting that you provide evidence of current insurance (as required by your loan agreement) please visit MyLoanInsurance.com to submit your insurance information electronically to us. To learn more about why this insurance is required, what to do if you don’t have insurance or to learn answers to other questions, please visit the FAQ page.

Order Checks & Accessories

Order your checks online from Harland Clarke, our preferred provider, at OrderMyChecks.com. Plus shop for accessories to complement your check order with matching covers, address labels and debit card holders.

• Our Routing Number is 291479291.
• For your convenience and protection, we have selected CheckProtect® as the preferred, standard delivery for check orders which provides:
• Tamper-evident, polywrap packaging that helps conceal your checks
• Fully-trackable deliveries, so you know where your checks are
• Estimated delivery dates that let you know when to expect your order
• Check orders will be sent to the mailing address on your account. If your name or address has changed since your previous check order, please contact the Credit Union before placing your order.
• Your total will be deducted from your checking account when your order ships.
• Members of our Club accounts receive one free box of standard checks per year. Additional check styles and options are available and the difference will be deducted from your checking account when your order ships.  

Secure, Fast Ordering
Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential. 

First Time Orders

If this is the first time ordering checks for your account, please contact the Credit Union or stop by any branch to complete your order.

Basic Checking

• No minimum balance
• No monthly service charge*
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

*Notice: $5 monthly inactivity charge is assessed after 3 months of inactivity if over 18 years of age and less than $200 balance.

Bonus Checking

• $500 minimum balance to earn dividends
• Dividends earned daily
• $7.50 monthly service charge is assessed if balance falls below the $500 minimum on any day during the month
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

Prime Checking (Exclusively for 55 and wiser!)

A dividend-bearing checking account available for our Prime Time Club members:

• $1,000 minimum balance to earn dividends
• Dividends are earned daily (compounded and paid monthly)
• No monthly service charge (unless daily balance falls below $1,000 during the month then $7.50 monthly fee assessed)
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available

As a Prime Time Club member you’ll receive these extra perks**

• Free Online Bill Pay
• Free box of standard checks each year
• Free fax and photocopies
• Free money orders and cashiers checks
• Free domestic wire transfers
• Free Call Center services available Monday – Friday, 8 a.m. to 5 p.m. MT
• A premium added to certificate rates (excludes specials)
• Discount on loan rates (includes auto, campers, motorcycles, ATV and boats)

Qualifications to join Sentinel Federal’s Prime Time Club:
This is a FREE CLUB for Sentinel Federal Credit Union members who are 55 years old and wiser! As a Prime Time Club member you are eligible for special services and discounts.

You are eligible for a Prime Time Club account if you:

• have joined Sentinel Federal,
• are 55 years of age or over, and
• have a Prime Checking account

Plus, you must either:

• have a $5,000 balance in a Prime Saver account, or
• maintain a recurring monthly Direct Deposit in a Prime Checking account or regular Savings account

**Benefits are subject to change without notice. Some limitations may apply. A joint checking account relationship held by either you or your spouse qualifies both of you for a Prime Time Club membership.

Rebuilder Checking

If you’ve been declined for a checking account, then call us today at 605-923-1405 or toll free at 888-923-1405 and ask about our Rebuilder Checking.

Need to order checks?

Routing Number: 291479291

Have you thought about refinancing your home loan?

Although the media makes it sound impossible to get a mortgage in today’s economic environment, at Sentinel Federal Credit Union, it’s business as usual. Rates have never been lower! Even if you haven’t thought about refinancing, here are three reasons why it could be a smart move for you:

1. To lower your interest rate. For example, if your rate right now is 6.5% (6.787% APR) on a 30-year loan of $250,000 and you refinance to 4.0% (4.181% APR), your payment goes down from $1,580 to $1,193, saving you $387 every month!
2. To shorten the term of your loan. If you’re in a 30-year loan now, you might want to refinance to a 15-year loan so you’ll be able to pay off the mortgage sooner.
3. To refinance an adjustable-rate mortgage into a fixed-rate loan. If you don’t have a fixed interest rate on your home loan, now is the time to refinance to take advantage of historically low rates and lock in at a rate that you know will never go up. That’s peace of mind you don’t currently have.

Whether you want to save hundreds of dollars every month or save tens of thousands of dollars over time, or both, a mortgage refinance could be the answer.

Contact Pat Wahl, our Mortgage Loan Officer, today at 605-923-6772 or toll free at 888-923-1400 to schedule a free consultation or send Pat a message.

• 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

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

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.

Business Basic Savings designed for small businesses and non-profit groups.

• No minimum balance
• Dividends compounded daily and paid monthly on balances of $25 and greater
• No monthly charge
• ATM access available
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag

Business Bonus Savings is targeted for medium to large business relationships and corporations.

• $3,500 minimum balance
• Dividends compounded daily and paid monthly on balances of $3,500 and greater
• No monthly charge
• ATM access available
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag

Business Share Certificates enables you choose the interest rate and term that is best for you. Plus …

• Terms range from 3 to 48 months
• Dividends are compounded daily and paid quarterly
• A safe investment with a higher yield than a regular savings account
• Higher investment amounts receive a higher dividend rate
• Invest as little as $500
• Early withdrawal penalties may apply

 Business Savings Dividend Rates

 *APY is Annual Percentage Yield