70th Annual Membership Meeting

As a member of SFCU you are invited to the 70th Annual Membership Meeting. Come enjoy a buffet dinner, play fun yard games, enter drawings, receive giveaways & hear the status of the Credit Union from those that work to protect your financial security.

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System Update Tuesday, April 29th

This update may also affect some members that have devices that are no longer compatible with the changes. We expect this to affect very few of our members but want to make sure you are informed of the changes. You may still use mobile web and desktop online banking if your device is no longer mobile app compatible.

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70 Days of Savings

Our 70th Anniversary Special is your ticket to the great outdoors. Celebrate with low rates on recreational vehicles including a .70% APR* discount and a $70 Visa Card to get rolling with fuel.

Learn More

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Youth Month

April is National Credit Union Youth Month and National Financial Literacy Month. Financial education is crucial, and we want to help teach the children in our community about the importance of being responsible with money and saving for the future.

Visit for Fun Activities

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Refer A Friend

Welcome to Sentinel Federal Credit Union’s exciting Refer-A-Friend program – where banking becomes a rewarding experience for you, your friends, and the community!

Refer A Friend

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Planning Tools

Auto Loans

APR as low as*

4.95%

Home Equity Loans

APR as low as*

7.75%

Personal Loans

APR as low as*

10.75%

*Rates are current as of November 1, 2024 unless otherwise noted and are subject to change.
*APR = Annual Purchase Rate
**APY = Annual Percentage Yield

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Apply Now

Start your online application for credit union membership, loans or credit cards by clicking the button below. If your are already a member sign into online or mobile banking and begin the application process.

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Why Choose Sentinel Federal Credit Union?

Choosing a financial institution is a significant decision. At Sentinel Federal Credit Union, we believe in making this choice easier by offering not just financial services but a true partnership in your financial journey. Here’s why we stand out:

  • Community-Focused
  • Member-Owned, Member-Driven
  • Personalized Service
  • Innovative Financial Solutions
  • Competitive Rates and Low Fees
  • Trusted Local Expertise
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What Our Members Say About Us

Joe M

Member

“We have several credit unions that got lost in the mix during a move–our bad. However, out of all of those credit unions, SFCU went OUT OF THEIR WAY to ensure we knew our account was dormant and helped us through the process of getting the account back on track. They also refunded every fee taken for dormant status. After losing more money than I’d like to admit from other institutions, I cannot tell you how much I appreciate the customer service of Sentinel FCU.”

Bret R

Member

“I have been using Sentinel for almost 30 years, and my family has been just as long! I purposely make the extra drive to the Radar Hill Branch with Nate working there! Not only has he always been on the ball of my personal account, but my business account! He has resolved issues with other banks in a timely manner when he didn’t have to! Every time I go on he always has a smiling face and is easy to work with.”

Chris P

Member

“If you’re in the Rapid City area and you’re looking to drop the elbow off the top rope, Macho Man style, then look to Sentinel Federal Credit Union! Their customer service is off the hook and when you call you never get a robot or an automated answering machine! I don’t think I’ll trust another big bank with my money for as long as I live! By the way, I don’t even live in South Dakota!”

Joshua K.

Member

“Been a loyal member for years! Keep your account positive and make your payments. If life happens keep them updated, as they have ways of working with you. I am glad they are a part of my financial family.”