It’s a great time to open a new door …
with a low-cost Mortgage Loan from Sentinel Federal Credit Union.  

Should you wait to buy your first home or upgrade to your next home? Is it really a good time to refinance? 
 
If you’re thinking about buying, building, or refinancing a home, it’s a great time to make that move! Here’s why:

Rates are the lowest they’ve been in years.
Take a look at rates from as far back as the early 1960′s, and you’ll find that rates today are the lowest they’ve been in decades. That fact translates to great savings in your monthly payments.

You have options for greater flexibility. 
If you’re worried that you have limited options, think again! Whether you’re buying or refinancing, we offer competitive rates and lower fees for a variety of mortgage loans including FHA, VA and South Dakota Housing Loans. You pick the option that works best for your needs.

Our one-on-one personalized service is difficult to find with the other guys!
Whether you’ve been a credit union member for a few months or a number of years, you know the service you find here is tough to beat – and that level of service extends to our mortgage lending too!

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact Pat Wahl, Mortgage Loan Officer, at 605–923–6772 or toll free at 888–923–1400 or send Pat a message.

Whether you’re looking to refinance your mortgage or buy your first home, Sentinel Federal Credit Union is here to help. We offer special low rates and a wide variety of loan programs including FHA, VA and South Dakota Housing Loans. We’ll make your home loan process easy and comfortable with the friendly, trusted service you expect. So what are you waiting for? There’s never been a better time to get a home loan. Visit with Pat Wahl, Mortgage Officer, at 605–923–6772 or toll free at 888–923–1400 or send Pat a message. He’ll get you pre-approved and find you the right mortgage.

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

• Forgot your online banking password?
• Need to reactivate your online banking account?
• Need to order checks?
• Send us a message

Phone Numbers:

Main Phone: 605-923-1405
Toll-Free: 888-923-1400
Main Fax: 605-923-3960
Overseas DSN: 675-6303

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

Mailing Address:

Sentinel Federal Credit Union
PO Box 700
Box Elder, SD 57719

Routing Number: 291479291

Locations & Hours  I  Shared Branching  I  24/7 Services

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.

CU*TALK is our 24-hour phone banking system, which makes taking care of your credit union business faster, easier and safer! You’ll have around-the-clock access to your accounts which makes this service perfect for today’s busy lifestyles. Plus it’s free!

All you need to make contact with CU*TALK is a touch-tone phone, your account number, and your Personal Identification Number (PIN). Now you are all set to take care of business!

CU*TALK Guides You Through Each Step!

• Using your touch-tone phone, call toll free: 866-923-1448
• You will be asked to enter your account number followed by the # sign.
• Next, you will be prompted to enter your PIN followed by the # sign. Contact us for your PIN.

Main Menu Options

(1) Account inquiries, including balances and a list of recent transactions
(2) Perform money transactions, including transfers
(3) Hear current credit union rates or calculate estimated loan payments
(4) Change your PIN
(5) Change to a different account number
(6) Other credit union services, including locations and hours
(8) Repeat this menu
(9) End the call
(0) Hear the Tutorial
(*) Press * to return to the main menu at any time

Helpful Tips

• Be sure to press the # sign when asked.
• Keep your PIN confidential. This protects your privacy and keeps others from gaining access to your accounts.
• When entering dollar amounts, decimals are not required. For example, you would enter $25.00 as 2500
• CU*TALK may occasionally be unavailable for short periods so that we may perform maintenance. If you are unable to complete a transaction for this reason, try calling back later.
• Be extra careful when entering your PIN. Entering a PIN incorrectly three times will disable access to that account through CU*TALK. If this happens, contact the credit union directly for reactivation.

Cross-Member Transfer Request
Please fill out the Cross-Member Transfer Request Form if you want to be able to transfer funds between your accounts using Online Banking and/or Phone Banking.

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.

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

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

If you’re in the market for a new home, you’ll have fewer problems and delays qualifying for your loan if you follow this inside advice from Sentinel Federal Credit Union.

Clean up your credit. Before you apply, order a copy your credit report and FICO score. There are several online sources available, and for just a few dollars, you’ll learn exactly what information will be used to determine how much money you qualify for and, most important, what negative information appears that will affect your application and interest rate.

For example, if you have had several late payments, start 6 months prior to applying for your mortgage and make payments on time, every time. That may improve your credit score and the interest you’ll pay on your loan. Plus, you’ll have enough time to contact the Credit Bureaus in writing to explain or correct any outright wrong information. Looking at your credit report on a regular basis is also a good way to spot any instances of identity theft. It’s all about you, so be aware of what’s being recorded.

Collect your records. Start now to get the required documentation in order. Create a file – even a shoebox will do – and start saving important papers that your Loan Officer will need at time of application, throughout the loan process, and prior to closing.

Here are some helpful DO’s and DON’T’s to prepare for the application and speed the approval …

DO keep originals of all pay-stubs, bank statements and other important financial documentation. Your lender is required to update any documents that are over 30 days old prior to the closing of your mortgage loan. (This is required even if your loan is approved.)

DO have a copy of your employment history for the past two years, including contact information.

DO have your residence history for the past two years available, such as your rental agreements or your mortgage account number.

DO have a copy of your Social Security Card.

DO have a copy of your divorce decree, if applicable.

DO have copies of your Federal Income Taxes for the past two years.

DO provide all documentation for the sale of your current home. (e.g.: sales contract, closing statement, employer relocation/buyout program).

DO notify your Loan Officer if you plan to receive gift funds for closing costs.

DO notify your Loan Officer of any employment changes. (e.g.: change of employer, recent raise/promotion, transfer, change of pay status, such as salary to commission scale, etc.)

DO NOT change jobs/employer without inquiring about the impact this change would have on the approval of your mortgage loan.

DO NOT make major purchases during or prior to closing (e.g.: new car, furniture, appliances, electronics) as this may impact your qualification ratios. Please confer with your Loan Officer to have him/her calculate what your ratios would be with any additional debts.

DO NOT obtain and/or deposit unusually large sums of money without notifying your Loan Officer. FNMA/HUD guidelines require documentation as to the source of these funds (e.g.: copy of bonus check, copy of tax refund, copy of insurance settlement, gift letter with copy of check and deposit slips, etc.)

DO NOT close/open or transfer any asset accounts without inquiring about the proper documentation required for your loan file. (i.e.: If you transfer all the funds in your stock account to your savings account, documentation is required.)

DO NOT open or increase any liabilities, including credit cards, signature loans, etc., during the loan process. Please check with your Loan Officer for any documentation that will be required and what impact this would have on your qualification ratios.

For most people, this is just a matter of organizing documents they already have on hand and using common sense. Taking a little time to get your papers in order for the Loan Officer will make the application easy and the approval process swift. A little time spent now means a lot of time – and even money – saved later, so follow these tips to take the headache out of home ownership.

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.

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.

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.

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

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.

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.

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

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

If you’re finding it difficult to put money away for a down payment after paying your bills and financing your living expenses, take heart. It’s a common problem.

The solution is to shave it off the top. For example, if you’ve decided to save 10% of your income to buy a home, that 10% must come right off the top of your paycheck before you do anything else.

Will you be able to live off 90% of your income? Absolutely. When that’s what there is to work with, you’ll be surprised at how workable it is. But, if you take care of everything else before saving and just save “whatever’s left” you’ll find that nothing is.

If you’re serious about becoming a homeowner, take a tip from us and shave it off the top.

Using your tax refund to save

It’s that time of year again … Your tax refund is coming. And while you’ve got lots of ideas on how to spend that annual windfall, consider this: The money you’re getting from the IRS is no gift; it’s money that was yours in the first place. By overpaying on taxes every payroll period, you were forced to “save” it slowly over the year.

So you did. You saved it. And now you’re ready to spend it. But are you really sure you want to spend those hard-earned savings on some “extras” that may be gone before you know it?

This year, we challenge you to do something different. Bring your check to Sentinel Federal Credit Union, and open an account to save for a down payment on a home. Use the money that you’ve been forced to save all year to help you achieve something really special—like owning your own home.

You can become a homeowner. And we can help you do it. Visit the Credit Union as soon as your refund check arrives and open an account to help save for that down payment. That way, your refund will last decades—not just a weekend—and you’ll feel good about investing in your future.

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.

Lot Requirements
The lot must be located in a marketable area and abut a public road. The land may not exceed 40 acres. Adequate electrical power, sewer, and water must exist or be readily attainable. Public electrical power must run adjacent to the property. If public sewer is not available, a copy of the septic site approval, signed or stamped as approved by the appropriate authority, or evidence of an acceptable perk test is required.

Rate and Term

• 10 and 15 year fixed rate
• Fixed rate 20 year amortization with 5 year balloon
• Fixed rate 30 year amortization with 5 year balloon
• Fixed rate 30 year amortization with 10 year balloon

Down Payment: Minimum 10% down payment

Escrow Account: Escrows for taxes and insurance are not required.

Maximum Loan Amount and Loan-to-Value (LTV) Ratio

• 90% Maximum LTV
• Maximum loan $150,000

Send us a message or call us today at 605-923-1405 or toll-free at 888-923-1400 for more information.

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.

Sentinel Federal Credit Union has been guarding and protecting the financial well being of our members for 55 years. Our mission is to maintain integrity and protect the financial future of our member owners.

Additional Information

• Other Services
• Fraud Alerts
• News & Notices
• Disclosures
• Holiday Schedule
• Financials
• Shared Branching

Routing Number: 291479291