Sentinel Federal Credit Union » Search Results » products http://sentinelfcu.org Looking Out for your Financial Future. Fri, 03 Feb 2012 16:49:44 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 savings http://sentinelfcu.org/savings/ http://sentinelfcu.org/savings/#comments Wed, 01 Jun 2011 14:00:23 +0000 catherinem http://test.sentinelfcu.org/rates/savings/

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
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and the National Credit Union Administration, a U.S. Government Agency. Retirement accounts are insured up to $250,000.
]]> http://sentinelfcu.org/savings/feed/ 0 home loans http://sentinelfcu.org/home-loans/ http://sentinelfcu.org/home-loans/#comments Tue, 29 Nov 2011 14:00:45 +0000 catherinem http://sentinelfcu.org/ Get Financially Fit with Sentinel Federal Credit Union 

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

Financial Fitness 101

Calculators

 

Homeowners Insurance

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

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
]]> http://sentinelfcu.org/home-loans/feed/ 0 loans http://sentinelfcu.org/loans/ http://sentinelfcu.org/loans/#comments Tue, 29 Nov 2011 14:00:23 +0000 catherinem http://test.sentinelfcu.org/productsservices/ See us for all of your lending needs

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.

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

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.

  • Auto InsuranceThe 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!

The MEMBERS Auto & Homeowners Insurance Program is made available by CUNA Mutual Insurance Agency, Inc. and underwritten by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
 
MyLoanInsurance.com

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.

]]> http://sentinelfcu.org/loans/feed/ 0 rates http://sentinelfcu.org/rates/ http://sentinelfcu.org/rates/#comments Fri, 03 Feb 2012 14:00:23 +0000 catherinem http://test.sentinelfcu.org/rates/ Loan Rates

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)

Term APR* as low as
24 months 2.50
36 months 2.65
48 months 2.70
60 months 2.75
72 months ($20,000 min) 3.35
84 months ($25,000 min) 5.00

Used Vehicle Loans (2005 – 2009)

Term APR* as low as
24 months 3.30
36 months 3.35
48 months 3.40
60 months 3.45
72 months (2009 only) 3.90

Used Vehicle Loans (2002 – 2004)

Term APR* as low as
36 months 6.10
48 months ($10,000 min) 7.10

Used Vehicle Loans (2001 and Older)

Term APR* as low as
36 months 8.60

Classic Cars
Completely restored and registered at Court House as antique

Term APR* as low as
48 months 8.25

Motorcycle Loans – New and Used

Term APR* as low as
24 months 7.95
36 months 7.20
48 months 6.15
60 months 6.20
72 months 6.35
84 months ($20,000+) 6.45

Snowmobiles, ATV & Personal Watercraft Loans

Term APR* as low as
New – 48 months 5.99
New – 60 months ($7,000+) 6.25
Used (1 to 5 years) – 42 mo 6.49

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

Term APR* as low as
36 months 8.20
60 months 7.20
84 months 6.20
96 months ($10,000+) 6.45
120 months ($15,000+) 7.45
144 months ($25,000+) 7.45

Mobile Home Loans

Term APR* as low as
0-5 years (up to 144 months) 9.50
6-10 years (up to 84 months) 10.50
11 years+ (up to 60 months) 11.50

Personal Loans

Term APR* as low as
$300.00-$999.99 (18 months) 13.00
$1,000+ (60 months) 11.15

Other Loans

Term APR* as low as
Line of Credit/Overdraft Protection 16.00
Shared Secured 6.50
Home Equity Loan & Line of Credit -
Visa Credit Card -

Loan payment example: At 4.5% the annual percentage rate (APR) for a 60 month term with 0% down and 30 days to 1st payment, monthly payments are calculated at $18.66 per $1,000 borrowed.

Not all borrowers qualify for lowest APR or 0% down. To find out if you qualify, please call Sentinel Federal Credit Union at 605-923-1405 or ask your Black Hills area auto dealers.

Note: Interest rates on home equity loans will increase 1% on loans with a 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property.

Loan rates are based on credit history, term of loan, year and type of collateral.

*Annual Percentage Rate (APR) may change without notice.

First Mortgage Rates

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

Share Savings & Checking Rates

Share Rates effective as of December 16, 2011

Share Savings Account APY*
$5 – $99 0.000
$100 – $4,999 0.050
$5,000 – $24,999 0.050
$25,000+ 0.050
IRA Share Account APY*
$100 minimum 0.700
Club Accounts APY*
Christmas Saver ($100 minimum balance) 0.100
Dream Saver ($100 minimum balance) 0.100
Money Market Account (Super Saver) APY*
$1,000 – $2,499 0.050
$2,500 – $9,999 0.070
$10,000 – $24,999 0.100
$25,000+ 0.150
Prime Saver Account APY*
Up to $4,999 0.080
$5,000 – $24,999 0.120
$25,000 – $49,999 0.170
$50,000 – $99,999 0.220
$100,000+ 0.260
Checking Accounts APY*
Basic Checking 0.000
Bonus Checking: $500 – $2,499 0.000
Bonus Checking: $2,500+ 0.050
Prime Checking (55+): $1,000 minimum 0.050
Dormant Account: $5 minimum 0.030

*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

Term $500 – $9,999
APY* 		 $10,000+
APY*
3 Months 0.200 0.200
6 Months 0.400 0.400
12 Months 0.570 0.570
24 Months 0.720 0.770
36 Months 1.100 1.180
48 Months 1.650 1.700
60 Months 2.000  

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.

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