Thank you for your membership.

Thank you for your membership.

Sentinel Federal Credit Union offers our Business members:

• Checking
• Savings
• Debit & Credit Cards
• Loans & Lines of Credit
• Merchant Processing Services

Through a strategic alliance with Newtek Business Services, Inc., our Business members can take advantage of the following services:

• Small Business Finance (SBA Lending from $25,000 to $2,000,000)
• Data Storage
• Web Hosting
• Web Design & Development

Your business is eligible for membership if either:

• At least one equity owner of the business is a member or
• The business entity is located within our field of membership: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory, or Mellette Counties.

Contact our Business Financial Service Representative for more information.

Phone: 888-923-1400
Email: dobusiness@sentinelfcu.org

Call Center Services available M-F from 9 a.m. – 5 p.m. (MT) at no charge!

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.

Telephone Banking
Take care of transactions over the phone with CU*Talk

Online Bill Pay
Save time and money by paying your bills electronically with Easy Pay Online Bill Pay

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

Online Check Ordering
Our online ordering tool makes shopping quick and easy when you need to order checks

Online Applications
You can easily complete a Membership Application and a Loan Application right online

ATM Locations
Access your account 24/7 at these ATM locations

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

or a …

Home Equity Line of Credit with a variable rate
as low as 4.00% APR* with approved credit.

Are you looking to make home improvements, pay for college tuition or finally take that much needed vacation? Then Sentinel Federal Credit Union may be able to help you with a Fixed-Rate Home Equity Loan or a variable rate Home Equity Line of Credit! Borrow only what you need … only when you need it … and pay interest on only what you borrow.

A Home Equity Loan or Home Equity Line of Credit is also great for those of you who want to consolidate debts without refinancing your first mortgage, or for those of you who want to pay off higher interest consumer debt with a loan secured by their home in order to gain possible tax advantages. Consult a tax advisor regarding the tax deductibility of interest.

Fixed-Rate Home Equity Loan
Choose from a variety of terms and save money with fixed rates as low as 5.49% APR. With the fixed-rate home equity loan, you get the entire amount of the loan at closing and the rate never changes over the life of the loan.

• Offers a low, fixed rate
• Repayment terms up to 15 years
• Borrow up to 100% of current appraised value with approved credit
• Interest rates on home equity loans will increase 1% on loans with 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property
• Minimum loan amount is $5,000 with $100 minimum monthly payment
• Usually the estimated costs to obtain a Home Equity Loan is $175
• For example, a payment for a $20,000 Home Equity loan at 5.49% for 60 months would be approximately $382 per month

Variable Home Equity Line of Credit (HELOC)
With a variable Home Equity Line of Credit you borrow only what you need, only when you need it and pay interest on only what you borrow! Variable rate as low as 4.00% APR with approved credit.

• This is a revolving line of credit secured by improved real property.
• Borrow up to 100% of current appraised value with approved credit
• For example: Appraisal of home $100,000
  • 90% of appraised value = $90,000
  • Less mortgage debt – $50,000
  • Potential line of credit $40,000
  • Minimum loan amount is $5,000 with $100 minimum monthly payment
• Usually the estimated costs to obtain a Home Equity Line of Credit is $175
• Maturity is up to 20 years depending on loan amount
• The Draw Period is 5 years from the funding date of the loan. After that time, further draws are not allowed
• The Repayment Period is up to 20 years including the 5-year Draw Period
• Interest Rate Cap: The annual percentage rate shall not be increased or decreased by more than two percentage points annually

For a better understanding of Home Equity Lines of Credit, please read:

When Your Home Is On The Line: What You Should Know About Home Equity Lines of Credit

Shopping For Your Home Loan (HUD Settlement Cost Booklet)

Consumer Handbook on Adjustable-Rate Mortgages (CHARM Booklet)

Contact us for a Home Equity Application

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