Credit Calculators

Loan Payment Calculator
How long will it take to pay off my loan?
Should I consolidate my debts?
How long will it take to pay off my credit card(s)?

Auto Calculators

How much car can I afford?
Should I lease or purchase a car?
How much will my auto payments be?
Should I accelerate my auto payments?

Home Calculators

Mortgage Payment Calculator
How much home can I afford?
Should I refinance my home?
Should I make extra payments on my mortgage?

Savings Calculators

How long until I reach my savings goal?
How much should I save for college?
How can I save for a big ticket item?
How much will my CD be worth at maturity?

Retirement Calculators

How much will I need to save for retirement?
How much will I receive in Social Security?
I’m retired, how long will my savings last?
Compare Roth 401(k) and Traditional 401(k) retirement savings plans.

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.

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

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

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

Loan Rates effective as of February 3, 2012
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 (2010 and Newer)

Used Vehicle Loans (2005 – 2009)

Used Vehicle Loans (2002 – 2004)

Used Vehicle Loans (2001 and Older)

Classic Cars
Completely restored and registered at Court House as antique

Motorcycle Loans – New and Used

Snowmobiles, ATV & Personal Watercraft Loans

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

Mobile Home Loans

Personal Loans

Other Loans

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 December 16, 2011

*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 December 16, 2011

Special Bump-A-Rate available on any certificate excluding specials. Minimum deposit $500.*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. 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. 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, a U.S. Government Agency. IRAs up to $250,000.

**Maximum $100,000 in special certificates per SSN.

As part of our Business Services, Sentinel Federal Credit Union can help you quickly set up a wide range of credit and debit card options for your customers. Contact our Business Financial Service Representatives for more information.

Safe Deposit Boxes

Safe deposit boxes are safe and secure places to keep valuable personal items but they are not fire nor flood proof. Vaults are fire, flood, and heat “resistant”. Your box contents are not insured by the Credit Union. Ask your insurance agent about available options to insure the contents of your safe deposit box. Annual rental fees are automatically withdrawn from your savings or checking account on January 1st each year. Please contact us for availability.

Direct Deposit

Direct Deposit is the easy way to deposit your paycheck. Instead of receiving a written check that you must personally bring to the Credit Union, your pay is electronically transferred from your employer right to your Credit Union account. Social Security and other government checks can also be direct deposited. There’s no standing in line and no reason to make a special trip to the Credit Union. It’s free, easy, safer and a time saver. Find out if your employer offers direct deposit. If so, ask for an enrollment form, usually available through your human resource department. Complete it and return it to your employer. Or, ask a Credit Union Member Service Representative for an enrollment form, fill it out and return it to your payroll department. Direct Deposit usually begins within 30 days.

Payroll Deduction

Save money the easy way – through payroll deduction. Most employers have a payroll deduction program, which allows employees to have a portion of their pay sent directly to the Credit Union. You can even arrange to have your loan payments or Christmas Saver account deposits made through payroll deduction. If you already have direct deposit at the Credit Union we can automatically transfer money to your savings account each payday. Just let us know how much you’d like transferred and to what account. Check with your employer about signing up for payroll deduction or inquire at the Credit Union.

Night Deposit

The easy way to conduct business after hours. Okay, it’s after Credit Union business hours, you forgot to make your deposit and you’ve got to be at work before we open in the morning — not a problem. Use the night deposit that’s available at the branches. 

It’s important to remember that deposits made after hours are posted the next business day. Friday after hour deposits will be posted on Monday. Please be aware however that checks trying to clear your account and automatic loan payments may occur before your night deposit is posted. This may result in an overdraft. If it is vital for you to have your deposit posted first thing in the morning, we recommend you bring it in personally. Don’t let the name “Night Deposit” mislead you, you can drop off a deposit there even during business hours, just remember it will be posted the next business day.

Savings Bonds

Buy electronic savings bonds online
The U.S. Department of the Treasury discontinued over-the-counter sales of paper savings bonds on December 31, 2011. Savings Bonds are no longer sold at Sentinel Federal Credit Union. 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. Learn more

If you’re carrying balances on high-interest rate credit cards, you’re invited to transfer those balances to a Sentinel Federal Visa Classic Credit Card which can save you money. Transfer your other credit card balances to a low-rate Sentinel Federal Visa Classic Credit Card by February 29, 2012, and you’ll qualify for a balance transfer rate that is the same as your purchase rate. There are no balance transfer fees or annual fees and you’ll enjoy a lower interest rate while you pay down your balance.

APPLY NOW!

The Sentinel Federal Visa Classic Credit Card offers:

• Low variable rates
• No annual fees
• 28 day grace period on purchases
• No balance transfer fees
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Visa Classic Application and Solicitation Disclosure
Visa Credit Card Agreement

Helpful Information

• Shop online with confidence. Use Verified by Visa.
• Let us know if you’ll be traveling with your card
• To report lost, stolen or blocked Credit Cards:

During Normal Business Hours: 605-923-1405 or 888-923-1400
After Business Hours: (Lost/Stolen) 800-543-5073; (Blocked) 866-334-1048

 
Visa® Secured Credit Card
Everyone qualifies for the Sentinel Federal Visa Secured Credit Card, regardless of their credit history.

• Non-variable rate as low as 10.00% APR*
• Card is secured by your savings
• No annual fee
• No grace period on purchases
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Apply today for our Visa Secured Credit Card.

Helpful Information

• Credit Card Agreement
• Verified By Visa
• Let us know if you’ll be traveling with your card
• To report lost, stolen or blocked Credit Cards:

During Normal Business Hours: 605-923-1405 or 888-923-1400
After Business Hours: (Lost/Stolen) 800-543-5073; (Blocked) 866-334-1048

*APR = Annual Percentage Rate. Your actual rate and term may vary, depending upon your credit history and other factors. Other conditions, restrictions and credit approval apply.

Sentinel Federal Credit Union warns all members to be extremely cautious when you are asked for personal or financial information over the phone, by email, through a text message or the Internet. Don’t give out personal information unless you’ve initiated the contact and are sure you know who you’re dealing with.

Identity thieves are clever, and may pose as a representative of your Credit Union to get you to reveal your sensitive information. The thieves may use pressure to get you to act immediately or use scare tactics or harassment to trick you into sharing your personal information.

DO NOT RESPOND to these fraudulent messages. These are scams attempting to steal your personal information. Sentinel Federal Credit Union will NEVER contact you via email, text, or phone asking for confidential or sensitive information. Remember never give out your sensitive information to people who contact you.

Contact us immediately at 605-923-1405 or 888-923-1400 if you responded to a fraudulent message and have given out any information.

Recent Fraud Alerts

Learn more about Phishing Scams and how you can protect your confidential information. Learn more about common telemarketing scams and how to avoid them at ftc.gov/phonefraud.

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

The key to your financial security

Primary Share Account
Your Primary Share establishes your Credit Union membership which gives you access to our many products and services. Making regular deposits into your Primary Share account is a great way to save for both expected and unexpected expenses.

• Minimum account balance is $5
• Dividends are paid monthly on balances of $100 and greater

Secondary Share Account
Set up a Secondary Share Account to accumulate funds for things like taxes and insurance. You can allocate funds to be deposited into your Secondary Share through payroll deduction or transfer from any of your accounts on a schedule of your choice.

• No minimum balance or opening balance required
• Dividends are paid monthly on balances of $100 and greater 

Christmas Saver Account
With a Christmas Saver Account you can set up automatic transfers into a special savings account used for your holiday gift buying.

• No minimum balance or opening balance required
• Dividends are paid annually on October 31st on daily balances of $100 and greater
• In November the balance you have in this account wil be automatically transferred to your Primary Share, just in time for your holiday shopping

Dream Saver Account
You can save for that dream vacation or that special item you’ve been dreaming of with a Dream Saver Account. By depositing systematically into this account you can make sure your funds are there when you need them.

• No minimum balance or opening balance required
• Dividends are paid monthly on daily blances of $100 and greater
• Funds are available to you once a year at the time of your choosing

Prime Saver Account
With a Prime Saver Account you will earn our highest annual percentage yield without locking funds in for a specific term. This high-yield saving account is available to all of our members.

• $5,000 minimum balance
• Higher balances earn higher returns
• No monthly service charge (unless daily balance falls below $5,000 during the month then $5 monthly fee assessed)
• Dividends are compounded daily and paid monthly
• Minimum withdrawal amount is $250 with no more than six withdrawals per month

Super Saver Money Market Account
With a Super Saver account you will earn a higher annual percentage yield without locking funds in for a specific term.

• $1,000 minimum balance
• Higher balances earn higher returns
• No monthly service charge (unless daily balance falls below $1,000 during the month then $5 monthly fee assessed)
• Dividends are compounded daily and paid monthly
• Minimum withdrawal amount is $250 with no more than six withdrawals per month

IRA Share Account
An IRA Share Account features no minimum balance requirement, making this a great starter account for you to deposit funds from ROTH and Traditional IRAs.

• No minimum balance or opening balance required
• No annual maintenance fee
• Dividends are paid monthly on daily balances of $100 and greater

Share Certificate & IRA Certificate
A Certificate is a safe investment with a higher yield than a regular savings account. You choose the interest rate and term that is best for you.

• Invest as little as $500
• Higher investment amounts receive a higher dividend rate
• Terms range from 3 to 48 months
• Special Bump-A-Rate available on any certificate excluding specials
• Dividends are compounded daily and paid quarterly
• Early withdrawal penalties may apply

Traditional or Roth IRA
A secure way to save for your retirement. Contact us about a Traditional or Roth IRA.

• No enrollment or maintenance fees
• IRA basic savings accounts have no minimum balance and can be added to anytime
• IRA share certificates earn a higher dividend than the IRA basic savings account and have a $500 minimum balance
• Contact your tax advisor or financial planner for which IRA is best for you

You’ve heard of credit scores. You’ve probably even been told not to apply for too many loans or to run your credit report too often because it can “bring down the score.” But the truth about what does — and doesn’t — affect your credit score often remains a mystery.

When you apply for a mortgage loan, your credit score is a major factor in determining the type of loan and the interest rate you’ll get. Because automated underwriting is so prevalent today, your credit score really effects whether or not you’ll qualify for a home loan.

There are 5 major factors that affect your credit score:

1. Whether or not you pay your bills on time. This includes mortgage loans, car loans, credit cards, and any other loan that shows up on your credit report.
2. Loan balances. The total amount you owe is taken into account when evaluating whether or not you will be able to take on additional debt.
3. Amount of time you have had credit. Someone who just got their first credit card and has no other credit history will have lower points for this factor than someone who’s been paying on time for several years.
4. New credit. Too much recent credit, even if you have a long credit history, is a warning sign to lenders.
5. Account mix. Is it completely credit card debt, or do you also have a mortgage loan, a car loan and a department store account? The more variety, the better.

To a lesser degree, your score also takes into account the following:

• Your level of education;
• The amount of time you’ve live at one address;
• The amount of time you’ve worked at one place; and
• Homeownership. Homeowners get more points because they are considered a better credit risk (another reason to consider homeownership if you rent!).

As you can see, the best way to get a high credit score is (surprise, surprise) to earn it! By paying all bills on time and using credit responsibly, you demonstrate the fact that you’re a good credit risk … and in return you’ll get the lowest rate possible on your home loan.

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.

Fed up with your bank’s high interest rate credit card? Tired of getting nickeled and dimed with fees on your checking account? Then it’s time to move your banking to Sentinel Federal Credit Union.

From free checking and online banking to competitive interest rates on the loans you may need you can trust Sentinel Federal Credit Union to put you first. Whether you’re looking to buy a new car, or if it’s time to own your own home, or you need to save for the future, we’ll spend time with you to set up your financial plan to help you reach your goal. Remember we’re here for you every step of the way.

Who Can Join
You are eligible for membership at Sentinel Federal 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.

Why Join
Sentinel Federal is a not-for-profit financial cooperative that is owned and operated by its members. Every member is an owner with an equal vote in the election of the credit union’s volunteer board of directors. Once you become a member of Sentinel Federal, you can remain a member for life, even if you change jobs, relocate or retire. Plus, after you become a member, your immediate family members are automatically eligible to join.

Switch to Us
Stop into any branch and visit with one of our member services staff or Apply for Membership online. We require an initial deposit of $5. This initial deposit represents your “share” of ownership. It is not a fee; it goes directly into your newly established Share/Savings Account.

New Federal Reserve rules allow you to make decisions about overdrafts for transactions made with your debit or ATM cards. Under the new rules, you must give us your permission to apply our standard overdraft practices to your everyday debit card and ATM transactions. The information below should be helpful as you consider your options.

To grant this permission, simply complete the opt-in request form below and we’ll add that coverage to your account.

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account
• Automatic bill payments
• ACH transactions

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if the Credit Union pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $35 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want the Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, simply complete the opt-in request form below and then click submit. You may also call 605-923-1405 or toll free at 888-923-1400.

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