Credit Cards

Balance Transfer Promo

Get 4.99% Promo APR* for the Life of the Balance

Transfer your balance to a Sentinel Visa Credit Card and enjoy a fixed-for-life balance transfer rate at 4.99% APR and no balance transfer fees. This promotional rate will apply to transfers made from other credit cards to your Sentinel Credit Card by March 31, 2019. Give us a call today at 605-923-1405 or 888-923-1400.

*APR = Annual Percentage Rate. Balance transfers promotional rate of 4.99% for the life of the balance, on transfers made between 1/1/19 and 3/31/19. The standard APR for balance transfers will be applied to new balance transfers made after 3/31/19. The standard APR for balance transfers is 15.00% to 18.00%, based on your creditworthiness. Balance transfers are subject to approval and cardholder is responsible for making payments on your other card until balance transfer transactions are completed. There is no grace period on your balance transfers. If you take advantage of this balance transfer offer, you will be charged interest on purchases. To avoid interest on new purchases after you transfer a balance, you must pay all balances on your account, including any balances you transfer under this offer, in full by the first payment due date. Federal credit card regulations require us to apply any payments made to higher interest rate balances first. Credit union membership is required to obtain a credit union loan. Other conditions, restrictions and credit approval apply. Offer does not apply to refinancing existing SFCU loans. Extra Awards points are not earned on balance transfers. There are costs associated with the use of the card. Contact the Credit Union to request specific information about the costs at 888-923-1400 or PO Box 700, Box Elder, SD 57719. SFCU is an Equal Opportunity Lender and federally insured by NCUA.


Earn Triple Rewards

Just use your Sentinel Visa Credit Card when you pay at Restaurants

Get triple rewards from Jan. 1 – March 31, 2019, when you use your Sentinel Visa Credit Card to pay at Restaurants. You will earn three Extra Awards points for every $1 spent which you can redeem for cash back, gift cards and travel awards.


Visa Classic Credit Card

Don’t get taken by the fine print of a credit card that costs too much. Take advantage of a Sentinel Federal Credit Union Visa Classic Card and SAVE all year long!

  • Save Money – With no annual or balance transfer fees.
  • 24/7 Flexibility – Make payments, track transactions, temporarily lock and unlock your card and check your available credit with your mobile device.
  • Earn Awards PointsEarn one Extra Award point for every $1 spent when you make purchases which you can redeem for cash back, gift cards and travel awards.
  • Gain Peace of Mind – Your card is protected from unauthorized charges and lost and stolen card charges at no additional cost. Also enroll in SFCU Guardian Alerts for an extra layer of security against fraud.

There’s so much you can do with our card. Take a vacation, complete your home improvements, or send a child off to college. Even buy something special for the holidays.

Stop paying too much.

Apply now for a SFCU Visa Card or call 605-923-1405, or visit any branch in Rapid City, Box Elder, Ellsworth AFB, Custer, Hill City and Winner.

View complete list of rates and fees

View credit card agreement


Visa Secured Credit Card

This card is secured by your savings and helps you build a positive credit history.

  • Non-variable rate as low as 10.00% APR*
  • Plus the same great features as our Classic Credit Card

View complete list of rates and fees

View credit card agreement

*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.

Let us know if you’ll be traveling with your card

If you will be traveling outside of your normal area of debit or credit card use, please let us know so your cards won’t be blocked or flagged for unusual activity. Give us a call at least 48 hours in advance at 605-923-1405 or toll-free at 888-923-1400 to let us know the dates and locations you will be traveling and to verify we have correct phone numbers to reach you. Have a safe trip!

Report Lost or Stolen Card

Mon – Fri 7:30 am – 5:30 pm MT
605-923-1405 or 888-923-1400

After Business Hours

Lock Your Card

Login to our Mobile App and select “Manage My Cards” in the More Menu. You can see your recent activity and temporarily lock and unlock your cards at any time for any reason.

Transaction Assistance

Mon – Fri 7:30 am – 5:30 pm MT
605-923-1405 or 888-923-1400

After Hours Assistance

Activate Your Card


Change Your PIN

If you know your current PIN, you can visit any Sentinel ATM to get a new PIN for your Sentinel ATM, Debit and chip-enabled Credit Cards.

If you forgot your PIN or would like a new PIN, you can call 877-746-6746, anytime, to change the PIN for any of your Sentinel cards. Your new PIN will be available within two business days.

Verified By Visa

Shop online with confidence. Your Visa card is equipped with Verified by Visa that protects your card for free.