Rates

New Auto Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
YEARS: 2016 & NEWER
24 Months2.25%2.60%4.40%7.15%11.15%18.00%
36 Months2.50%2.85%4.65%7.30%11.30%18.00%
48 Months2.70%3.05%4.85%7.35%11.35%18.00%
60 Months2.75%3.10%4.95%7.45%11.45%18.00%
72 Months $20,000**3.15%3.50%5.30%8.00%12.00%N/A
84 Months $25,000**5.00%5.35%7.15%N/AN/AN/A

Used Auto Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
YEARS: 2011-2015
24 Months2.80%3.20%5.00%8.00%18.00%18.00%
36 Months2.85%3.25%5.05%8.05%18.00%18.00%
48 Months2.90%3.30%5.10%8.10%18.00%18.00%
60 Months2.95%3.35%5.15%8.15%18.00%18.00%
72 Months (2015 only)3.40%3.80%5.60%8.60%18.00%N/A
YEARS: 2008-2010
36 Months4.10%4.25%6.00%9.25%18.00%18.00%
48 Months $10,000**5.10%5.25%7.00%10.25%18.00%18.00%
YEARS: 2007 & OLDER
36 Months6.99%7.24%8.24%11.24%18.00%18.00%

Classic Car Loan Rates

Completely restored and registered at the Court House as antique.
 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
48 Months6.99%7.24%8.24%11.24%18.00%N/A

Motorcycle Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW & USED
24 Months2.90%3.40%5.90%9.50%13.50%18.00%
36 Months2.90%3.40%5.90%9.50%13.50%18.00%
48 Months2.90%3.40%5.90%9.50%13.50%18.00%
60 Months3.15%3.65%6.00%9.00%13.00%18.00%
72 Months 3.39%3.89%6.00%9.00%13.00%N/A
84 Months $20,000**3.90%4.40%6.25%9.25%13.25%N/A

ATV, Snowmobile & Personal Watercraft Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW
48 Months2.90%3.40%5.49%8.49%11.49%18.00%
60 Months $7,000**3.14%3.64%5.69%8.69%11.69%18.00%
USED 1 TO 5 YEARS
48 Months 3.14%3.64%5.49%8.49%11.49%18.00%
60 Months $7,000**3.14%3.64%6.49%9.49%12.49%18.00%

RV, Camper, Trailer & Boat Loan Rates

Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers
 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
NEW & USED
36 Months5.20%5.70%6.75%8.75%13.50%18.00%
60 Months4.65%5.15%6.25%8.75%13.50%18.00%
84 Months4.70%5.20%6.25%8.75%13.50%18.00%
96 Months $10,000**5.14%5.64%6.25%8.75%13.50%18.00%
120 Months $15,000**5.20%5.70%6.50%9.00%14.00%N/A
144 Months $25,000**5.95%6.45%7.60%10.60%14.60%N/A

Personal Loan Rates

 Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
Score730+729-680679-640639-600599-550549 and below
$300.00 - $999.99
18 Months13.00%15.00%16.00%18.00%18.00%18.00%
$1,00.00+
60 Months9.00%10.00%11.00%13.00%18.00%18.00%

Line of Credit Loan Rates

Platinum APR*Gold APR*Silver APR*Bronze APR*Nickel APR*Copper APR*
730+729-680679-640639-600599-550549 and below
9.45%10.55%12.15%14.25%18.00%18.00%

Other Personal Loan Rates

Account TypeAPR*Details
Visa Credit CardView Credit Card Rates
Certificate Secured2.00%Above certificate rate (minimum rate of 2.50%)
Share Secured6.50%

Home Equity Loans

Account TypeDetails
Variable Home Equity Line of Credit (HELOC)View HELOC Rates
Fixed-Rate Home Equity LoansView Home Equity Loan Rates

*Rates effective as of April 1, 2018. Annual Percentage Rate (APR) may change without notice. Your rate can vary based on creditworthiness, age and type of vehicle and terms of the loan.

**Some terms subject to a minimum amount financed.

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.

 

Savings & Checking Accounts Rates

Account TypeMinimum BalanceAPY*
Share Account$5.000.000%
Share Account$100.000.040%
IRA Share Account$100.000.700%
Christmas Saver$100.000.150%
Dream Saver$100.000.150%
Money Market Saver$1,000.000.070%
Money Market Saver$25,000.000.090%
Money Market Saver$50,000.000.110%
Basic Checking 0.000%
Bonus Checking$500.000.000%
Bonus Checking$2,500.000.050%
Business Basic Checking0.000%

48-Month Freedom IRA Certificate

Accountholders may bump up once during the term and may make additional deposits of $100 or more during its lifetime.
TermMinimum BalanceAPY*
48 Month$500.001.550%
48 Month$25,000.001.600%

 

Share Certificates & IRA Certificates

TermMinimum BalanceAPY*
6 Month$500.000.650%
6 Month$25,000.000.700%
12 Month$500.001.000%
12 Month$25,000.001.050%
24 Month$500.001.250%
24 Month$25,000.001.300%
36 Month$500.001.350%
36 Month$25,000.001.400%
48 Month$500.001.600%
48 Month$25,000.001.650%
60 Month$500.002.150%
60 Month$25,000.002.200%

*Rates effective as of April 1, 2018. 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.

The “bump-a-rate” feature is available on any certificate, excluding specials, upon request.

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.