Rates
View Sentinel Federal Credit Union’s low loan rates for new and used vehicle loans, boat loans, personal loans, home equity loans and more.
Rates
View Sentinel Federal Credit Union’s low loan rates for new and used vehicle loans, boat loans, personal loans, home equity loans and more.
Auto Loan Rates
2023 and Newer Credit Tier
730>Credit Tier
729-680Credit Tier
679-640Credit Tier
639-600Credit Tier
599-550Credit Tier
<549
Up to 24 months 4.75% 4.85% 5.85% 9.90%** 13.90% 18.00%
36 months 4.85% 4.95% 6.55% 10.50%** 14.50% 18.00%
48 months 4.95% 5.05% 6.75% 10.60%** 14.55% 18.00%
60 months 5.00% 5.10% 6.85% 10.65%** 14.65% 18.00%
72 months
$20,000 minimum5.15% 5.30% 7.30% 11.80%** 15.20% N/A
84 months
$25,000 minimum5.85% 5.90% 8.05% N/A N/A N/A
2016-2022 Credit Tier
730>Credit Tier
729-680Credit Tier
679-640Credit Tier
639-600Credit Tier
599-550Credit Tier
<549
Up to 24 months 5.75% 5.85% 7.30% 12.10%** 18.00% 18.00%
36 months 5.85% 5.95% 7.55% 12.15%** 18.00% 18.00%
48 months 5.95% 6.05% 7.75% 12.20%** 18.00% 18.00%
60 months 6.05% 6.10% 7.85% 12.25%** 18.00% 18.00%
72 months
$20,000 minimum6.10% 6.20% 8.20% 12.70%** 18.00% N/A
84 months
$25,000 minimum6.85% 6.90% 9.05% N/A N/A N/A
2012-2015 Credit Tier
730>Credit Tier
729-680Credit Tier
679-640Credit Tier
639-600Credit Tier
599-550Credit Tier
<549
36 months 7.35% 7.50% 9.80% 13.60%** 18.00% 18.00%
48 months 7.60% 7.75% 10.80% 14.60%** 18.00% 18.00%
60 months
$10,000 minimum 7.60% 7.75% 10.80% 14.60%** 18.00% N/A
2011 and Older Credit Tier
730>Credit Tier
729-680Credit Tier
679-640Credit Tier
639-600Credit Tier
599-550Credit Tier
<549
36 months 8.25% 8.50% 10.50% 14.25%** 18.00% 18.00%
48 months
$10,000 minimum8.25% 8.50% 10.50% 14.25%** 18.00% N/A
Classic Cars Credit Tier
730>Credit Tier
729-680Credit Tier
679-640Credit Tier
639-600Credit Tier
599-550Credit Tier
<549
48 months 8.50% 9.24% 10.24% 12.99%** 18.00% N/A
Rates effective as of 02/01/2023.
Annual Percentage Rate (APR) subject to change without notice. Your rate can vary based on creditworthiness, age and type of vehicle and terms of the loan.
Loan payment example: At 3.15% APR for a 60-month term with 0% down, monthly payments are calculated at $18.04 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.
Recreational Vehicle Loan Rates
| New & Used Motorcycles | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| Up to 24 months | 6.55% | 6.85% | 9.35% | 13.15%** | 17.15% | 18.00% |
| 36 months | 6.55% | 6.85% | 9.35% | 13.15%** | 17.15% | 18.00% |
| 48 months | 6.55% | 6.85% | 9.35% | 13.15%** | 17.15% | 18.00% |
| 60 months | 6.70% | 7.00% | 9.45% | 12.65%** | 17.15% | 18.00% |
| 72 months | 7.00% | 7.30% | 9.80% | 12.70%** | 17.15% | N/A |
| 84 months $20,000 minimum | 7.55% | 7.85% | 10.30% | 12.90%** | 17.15% | N/A |
| New Snowmobiles, All Terrain Vehicles, and Personal Watercraft | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 48 months | 6.65% | 7.05% | 8.65% | 11.90%** | 14.90% | 18.00% |
| 60 months $7,000 minimum | 6.85% | 7.35% | 8.85% | 12.10%** | 15.10% | 18.00% |
| Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 48 months | 6.85% | 7.40% | 8.40% | 12.15%** | 14.90% | 18.00% |
| 60 months $7,000 minimum | 6.90% | 7.65% | 9.40% | 12.15%** | 15.90% | 18.00% |
| Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 36 months | 6.65% | 6.90% | 8.15% | 11.90%** | 16.90% | 18.00% |
| 60 months | 6.80% | 7.30% | 8.65% | 11.90%** | 16.90% | 18.00% |
| 84 months | 6.85% | 7.35% | 8.70% | 11.95%** | 16.95% | 18.00% |
| 96 months $10,000 minimum | 6.95% | 7.80% | 8.75% | 11.95%** | 17.00% | 18.00% |
| 120 months $15,000 minimum | 7.00% | 7.85% | 9.25% | 12.25%** | 17.05%% | N/A |
| 144 months $25,000 minimum | 8.10% | 8.70% | 10.00% | 13.25%** | 18.00% | N/A |
Rates effective as of 02/01/2023.
All rates are quoted as Annual Percentage Rates. Your loan interest rate will be determined by your credit score, as shown as the ranges above. These rates are subject to change without notice. We may limit the loan to collateral value, based on Manufacturer’s Suggested Retail Price or *100% of NADA or purchase price, whichever is lower. **No credit score rate.
Loan payment example: At 3.15% APR for a 60-month term with 0% down, monthly payments are calculated at $18.04 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.
Personal Loans
| Personal Loans | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 18 months $500 - $999.99 | 15.35%% | 17.35% | 18.00% | 18.00 | 18.00% | 18.00% |
| 60 months $1,000+ | 11.35% | 12.35% | 13.35% | 15.60%** | 18.00% | 18.00% |
| Line of Credit | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 11.45% | 12.55% | 14.15% | 16.75%** | 18.00% | 18.00% |
Annual Percentage Rate (APR) subject to change without notice. Your rate can vary based on creditworthiness and terms of the loan.
Home Loans
| Home Equity | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 0 - 60 months | 6.50% | 6.75% | 7.25% | 10.25% | 11.25% | N/A |
| 61 - 120 months | 7.00% | 7.25% | 7.75% | 11.25% | 13.25% | N/A |
| 121 - 180 months | 7.50% | 7.75% | 8.25% | 11.75% | 13.75% | N/A |
| Home Equity Line of Credit | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 120 months | 6.75% | 7.50% | 9.50% | 11.50% | 18.00% | N/A |
| Land/Lot Loans | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 |
|---|---|---|---|
| 10 years | 7.75% | 8.00% | 8.50% |
| 15 years | 8.00% | 8.25% | 8.75% |
| 20 years amortization with a 5 year balloon | 8.25% | 8.50% | 9.00% |
| 30 years amortization with a 5 year balloon | 8.50% | 8.75% | 9.25% |
| 30 years amortization with a 10 year balloon | 8.75% | 9.25% | 9.50% |
First Mortgages
Please contact Sentinel FCU for current rates and programs.
*Annual Percentage Rate (APR) is accurate as of 02/01/2023 and programs, rates, terms and conditions are subject to change without notice. The rate may vary depending on everyone’s credit history and underwriting factors. Interest rates will increase 1% on loans with 90% or greater loan-to-value ratio based on the appraisal of the property. Usually the estimated cost to obtain a Home Equity Loan is $300, excluding appraisals and title insurance, if required. Offer excludes Home Equity Loans used for a home purchase and the appraisal fee, if an appraisal is necessary. Does not apply to refinancing existing SFCU loans. A sample Fixed Home Equity Loan payment based on $20,000 at 4.00% APR for 5 years is $368.33 per month.
**Annual Percentage Rate (APR) is accurate as of 02/01/2023 and programs, rates, terms and conditions are subject to change without notice. The rate may vary depending on everyone’s credit history and underwriting factors. Rates are variable and are subject to increase after consummation. Rates are based on the value of an index, plus or minus a margin. The index is the Prime Rate as published in the Wall Street Journal on the last business day of each quarter. The APR will be based on the prime rate plus a margin of up to 4.00%. The maximum APR that can apply is 18.00%. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. Flood and/or property hazard insurance may be required. Other restrictions may apply.
Visa Credit Cards
| Visa Credit Cards | Credit Tier 730> | Credit Tier 729-680 | Credit Tier 679-640 | Credit Tier 639-600 | Credit Tier 599-550 | Credit Tier <549 |
|---|---|---|---|---|---|---|
| 13.24% | 14.74% | 15.74% | 17.24% | 18.00% | N/A |
Annual Percentage Rate (APR) subject to change without notice. Your rate can vary based on creditworthiness, age and type of vehicle and terms of the loan.
Certificate Rates
Share Certificates & IRA Certificates
Share Certificates & IRA Certificates Minimum Balance Dividend Rate APY* Term
6 Month Tier 1
$500.00 - $24,999.99
0.650 0.650
6 months
6 Month Tier 2
$25,000.00 + 0.700 0.700 6 months
12 Month Tier 1
$500.00 - $24,999.99 1.934 1.950 12 months
12 Month Tier 2 $25,000.00 +
1.983 2.000 12 months
24 Month Tier 1 $500.00 - $24,999.99
1.982 2.000 24 months
24 Month Tier 2
$25,000.00 +
2.027 2.050 24 months
36 Month Tier 1 $500.00 - $24,999.99 2.177 2.200 36 months
36 Month Tier 2
$25,000.00 +
2.222 2.250 36 months
48 Month Tier 1 $500.00 - $24,999.99 2.224 2.250 48 months
48 Month Tier 2
$25,000.00 + 2.274 2.300 48 months
60 Month Tier 1
$500.00 - $24,999.99 2.422 2.450 60 months
60 Month Tier 2
$25,000.00 +
2.470 2.500 60 months
Freedom IRA Certificate
Minimum Balance Dividend Rate APY* Term
48 Month1 Tier 1
$500.00 - $24,999.99
2.224 2.250 48 months
48 Month Tier 2
$25,000.00 + 2.274 2.300 48 months
Rates effective as of 2/1/2023.
*APY = Annual Percentage Yield. $500 minimum balance required to open account and obtain disclosed APY. Rates subject to change without notice. Fees could reduce earnings. Early withdrawal penalties may apply. Bump-A-Rate feature is available upon request (excluding Special term certificates).
Savings Rates
Share Savings Account Minimum Balance Dividend Rate APY* Term
Share Account Tier 1
$5.00 - $99.99 0.000 0.000
N/A
Share Account Tier 2 $100.00 - $4,999.99 0.100 0.100 N/A
Share Account Tier 3 $5,000.00 - $24,999.99 0.100 0.100 N/A
Share Account Tier 4 $25,000.00 +
0.150 0.150 N/A
Christmas Saver
$100.00 minimum
0.200 0.200
N/A
Dream Saver $100.00 minimum
0.050 0.050 N/A
IRA Share Account
$100.00 minimum 0.250 0.250 N/A
Rates effective as of 2/1/2023.
APY = Annual Percentage Yield.
Checking Account
| Checking Account | Minimum Balance | Dividend Rate | APY* | Term |
|---|---|---|---|---|
| Basic Checking | $0.00 | 0.000 | 0.000 | N/A |
| Bonus Checking Tier 1 | $500.00 - $2,499.99 | 0.000 | 0.000 | N/A |
| Bonus Checking Tier 2 | $2,500.00 + | 0.100 | 0.100 | N/A |
| Money Market Tier 1 | $1,000.00 - $24,999.99 | .250 | .250 | N/A |
| Money Market Tier 2 | $25,000.00 - $49,999.99 | .300 | .300 | N/A |
| Money Market Tier 3 | $50,000.00 + | .350 | .350 | N/A |
*APY = Annual Percentage Yield. Rates subject to change without notice.