Rates

Loan Rates - Effective Wednesday, December 13, 2017
Loan TypeRates as low asTerms/Information
NEW VEHICLE LOANS2.250%TERMS UP TO 84 MONTHS
USED VEHICLE LOANS2.800%TERMS UP TO 72 MONTHS
LINE OF CREDIT LOAN9.450%LIMITS UP TO $25,000
HOLIDAY/PERSONAL LOANS3.990%GET A HOLIDAY LOAN
BOAT LOANS4.700%TERMS UP TO 144 MONTHS
MOTORCYCLE LOANS2.900%TERMS UP TO 84 MONTHS
NEW SNOWMOBILE LOANS2.900%TERMS UP TO 60 MONTHS
BOAT LOANS4.700%GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
VISA CREDIT CARD9.990%LOW VARIABLE RATE AVAILABLE
HOME EQUITY LOANS4.250%TERMS UP TO 180 MONTHS
HOME EQUITY LINE OF CREDIT4.000%LOW VARIABLE RATE

Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

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.

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.

Savings Rates - Effective Wednesday, June 1, 2016
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE0.030%$5.00$100.00
SECONDARY SAVINGS0.030%$0.00$100.00
CHRISTMAS SAVER0.100%$0.00$100.00
DREAM SAVER0.100%$0.00$100.00
MONEY MARKET SAVER0.050%$1,000.00$1,000.00
MONEY MARKET SAVER0.080%$1,000.00$25,000.00
MONEY MARKET SAVER0.100%$1,000.00$50,000.00
IRA SHARE ACCOUNT0.400%$0.00$100.00
BASIC CHECKING0.000%$0.00$0.00
BONUS CHECKING0.000%$0.00$500.00
BONUS CHECKING0.030%$0.00$2,500.00

*APY is Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts.

Certificate Rates - Effective Wednesday, December 13, 2017
Certificate TermAPYMinimum Deposit
6 MONTH CD0.250%$500.00
12 MONTH CD0.530%$500.00
24 MONTH CD0.740%$500.00
36 MONTH CD1.050%$500.00
48 MONTH CD1.300%$500.00
60 MONTH CD1.600%$500.00
6 MONTH IRA CD0.250%$500.00
12 MONTH IRA CD0.530%$500.00
24 MONTH IRA CD0.740%$500.00
36 MONTH IRA CD1.050%$500.00
48 MONTH IRA CD1.300%$500.00
60 MONTH IRA CD1.600%$500.00
48 MO FREEDOM IRA CD1.250%$500.00

*APY = Annual Percentage Yield. $500 minimum balance requirement. Rates subject to change without notice. Early withdrawal penalties may apply. 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. Maximum $100,000 in special certificates per social security number. 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 (NCUA), a U.S. Government Agency. IRA deposits are federally insured to at least $250,000 by NCUA.