Personal Loans

We offer competitive signature loans for a variety of purposes. You do not have to provide collateral for the loan. Apply for a Personal Loan now or contact us anytime.

Line of Credit and Overdraft Protection

Stay in control of your finances with a personal line of credit from Sentinel Federal Credit Union. Just like a credit card but without the plastic. Use what you need, when you need it and pay interest only on the amount you use. Your funds become available again as you pay down your balance.

  • Lines of credit up to $25,000 with rates as low as 9.45% APR*
  • No annual fee
  • No penalty for early payoff
  • No transfer fees when you transfer funds from your line of credit to your checking account using It’s Me 247 Online Banking, CU*TALK Phone Banking, in person at any Sentinel Federal Credit Union branch or ATM
  • Provides overdraft protection on your checking account when you need it*
*APR = Annual Percentage Rate. The APR is the Credit Union’s Standard Rate as of 3/1/18. The rate you qualify to receive may vary depending on individual credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. For overdraft protection transfers, there is a $5 notification fee per $50 increment.

Share Secured Loans

Low cost financing while you continue to save.

  • Use your savings or certificate as security for your loan
  • Offered at very special rates and terms
  • Fast loan processing
  • Ideal solution when you can’t decide if you should pay cash, by taking the money out of savings, or borrow the money


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%
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

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%


*Rates effective as of March 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.

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.