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

2021 and NewerCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
Up to 24 months1.99%2.89%4.35%8.40%**12.40%18.00%
36 months2.90%3.00%4.60%8.55%**12.55%18.00%
48 months3.00%3.10%4.80%8.60%**12.60%18.00%
60 months3.05%3.15%4.90%8.70%**12.70%18.00%
72 months
$20,000 minimum
3.15%3.25%5.25%9.25%**13.25%N/A
84 months
$25,000 minimum
3.89%3.95%6.10%N/AN/AN/A

2015-2020Credit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
Up to 24 months2.79%2.89%
4.35%9.15%**18.00%18.00%
36 months2.90%3.00%4.60%9.20%**18.00%18.00%
48 months3.00%3.10%4.80%9.25%**18.00%18.00%
60 months3.10%3.15%4.90%9.30%**18.00%18.00%
72 months
$20,000 minimum
3.15%3.25%5.25%9.75%**18.00%N/A
84 months
$25,000 minimum
3.89%3.95%6.10%N/AN/AN/A

2011-2014Credit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
36 months4.74%4.90%7.25%11.00%**18.00%18.00%
48 months5.00%5.15%8.25%12.00%**18.00%18.00%
60 months
$10,000 minimum
5.00%5.15%8.25%12.00%**18.00%N/A

2010 and OlderCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
36 months5.99%6.25%8.25%11.49%**18.00%18.00%
48 months
$10,000 minimum
5.99%6.25%8.25%11.49%**18.00%N/A

Classic CarsCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
48 months7.50%8.24%9.24%11.99%**18.00%N/A

Rates effective as of 1/1/2022.

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 MotorcyclesCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
Up to 24 months3.90% 4.20%6.70%10.50%**14.50%18.00%
36 months3.90%4.20%6.70%10.50%**14.50%18.00%
48 months3.90%4.20%6.70%10.50%**14.50%18.00%
60 months4.15%4.45%6.80%10.00%**14.00%18.00%
72 months4.35%4.65%7.15%10.05%**14.05%N/A
84 months
$20,000 minimum
4.90%5.20%7.45%10.25%**14.25%N/A
New Snowmobiles, All Terrain Vehicles, and Personal WatercraftCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
48 months4.00%4.40%6.00%9.24%**12.24%18.00%
60 months
$7,000 minimum
4.20%4.70%6.20%9.44%**12.44%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 months4.19%4.75%5.75%9.24%**12.24%18.00%
60 months
$7,000 minimum
4.49%5.00%6.75%9.49%**13.24%18.00%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse TrailersCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
36 months3.74%4.00%5.25%9.50%**14.50%18.00%
60 months3.90%4.40%5.75%9.00%**14.00%18.00%
84 months3.95%4.45%5.80%9.05%**14.05%18.00%
96 months
$10,000 minimum
4.40%4.90%5.85%9.10%**14.10%18.00%
120 months
$15,000 minimum
4.45%4.95%6.35%9.60%**14.60%N/A
144 months
$25,000 minimum
5.20%5.70%7.10%10.35%**15.35%N/A

Rates effective as of 1/1/2022.

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 LoansCredit 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
12.75%14.75%15.75%18.0018.00%18.00%
60 months
$1,000+
8.75%9.75%10.75%13.00%**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
8.95%10.05%11.65%14.25%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 EquityCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
0 - 60 months4.00%4.25%4.75%7.75%9.75%N/A
61 - 120 months4.50%4.75%5.25%8.75%10.75%N/A
121 - 180 months5.00%5.25%5.75%9.25%11.25%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 months4.00%4.00%4.00%5.75%7.75%N/A
Land/Lot LoansCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
10 years5.50%5.75%6.25%
15 years5.75%6.00%6.50%
20 years amortization with a 5 year balloon6.00%6.25%6.75%
30 years amortization with a 5 year balloon6.25%6.50%7.00%
30 years amortization with a 10 year balloon6.50%6.75%7.25%

First Mortgages

Please contact Sentinel FCU for current rates and programs.

*Annual Percentage Rate (APR) is accurate as of 1/1/2021 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 1/1/2021 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 CardsCredit Tier
730>
Credit Tier
729-680
Credit Tier
679-640
Credit Tier
639-600
Credit Tier
599-550
Credit Tier
<549
9.24%10.74%11.74%13.24%17.99%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 CertificatesMinimum BalanceDividend RateAPY*Term
6 Month Tier 1

$500.00 - $24,999.99
0.0490.050
6 months
6 Month Tier 2

$25,000.00 + 0.0990.1006 months
12 Month Tier 1
$500.00 - $24,999.990.1480.15012 months
12 Month Tier 2$25,000.00 +

0.1980.20012 months
24 Month Tier 1$500.00 - $24,999.99

0.298
0.300
24 months
24 Month Tier 2
$25,000.00 +

0.3480.350
24 months
36 Month Tier 1$500.00 - $24,999.990.3970.40036 months
36 Month Tier 2
$25,000.00 +
0.4480.45036 months
48 Month Tier 1$500.00 - $24,999.990.4960.50048 months
48 Month Tier 2
$25,000.00 + 0.5480.550
48 months
60 Month Tier 1
$500.00 - $24,999.990.5960.60060 months
60 Month Tier 2
$25,000.00 +
0.6440.65060 months

Freedom IRA Certificate
Minimum BalanceDividend RateAPY*Term
48 Month1 Tier 1

$500.00 - $24,999.99
0.496
0.500
48 months

48 Month Tier 2


$25,000.00 +0.5480.55048 months

Rates effective as of 2/1/2022.

*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 AccountMinimum BalanceDividend RateAPY*Term
Share Account Tier 1
$5.00 - $99.990.0000.000
N/A
Share Account Tier 2 $100.00 - $4,999.990.0500.050N/A
Share Account Tier 3$5,000.00 - $24,999.990.0500.050N/A
Share Account Tier 4$25,000.00 +
0.0500.050N/A
Christmas Saver
$100.00 minimum
0.1500.150
N/A
Dream Saver$100.00 minimum
0.0500.050N/A
IRA Share Account
$100.00 minimum0.2500.250N/A

Rates effective as of 2/1/2022.

APY = Annual Percentage Yield.

Checking Account

Checking AccountMinimum BalanceDividend RateAPY*Term
Basic Checking
$0.00
0.0000.000
N/A
Bonus Checking Tier 1
$500.00 - $2,499.990.0000.000N/A
Bonus Checking Tier 2
$2,500.00 + 0.0500.050N/A
Money Market Tier 1$1,000.00 - $24,999.99
0.0500.050N/A
Money Market Tier 2 $25,000.00 - $49,999.99

0.100
0.100
N/A
Money Market Tier 3$50,000.00 +
0.1000.100
N/A

*APY = Annual Percentage Yield. Rates subject to change without notice.