Loan Rates at Sentinel Federal Credit Union
Welcome to Sentinel Federal Credit Union’s loan rates page, where we offer competitive rates designed to fit your financial goals. Whether you’re looking to purchase a new vehicle, consolidate debt, or finance your dream home, we have loan options to meet your needs with affordability and flexibility.
Check Rates Today
We’re committed to helping you achieve your financial goals with competitive rates and exceptional service.
For more detailed information on our current rates or to start your loan application, please contact us or visit one of our branches.
Auto Loan Rates As Low As
2018-2021
Credit Tier
760>
Up to 24 months
6.20%
36 months
6.25%
48 months
6.25%
60 months
$10,000 MIN
6.30%
72 months
$20,000 MIN
6.35%
84 months
$25,000 MIN
6.50%
2017 and Older
Credit Tier
760>
36 months
8.20%
48 months
8.25%
Rates effective as of 10/1/25.
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 As low as
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2022 and newer Credit Tier
760>48 months
6.80%
60 months
6.85%
72 months $20,000 MIN
7.10%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2018-2021 Credit Tier
760>48 months
7.25%
60 months
7.35%
72 months $20,000 MIN
7.50%
Rates effective as of 10/1/25.
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 As low as
Annual Percentage Rate (APR) subject to change without notice. Your rate can vary based on creditworthiness and terms of the loan.
Home Loans As low as
Home Equity Line of Credit
Credit Tier
760>
120 months
7.00%
First Mortgages
Please contact Sentinel FCU for current rates and programs.
*Annual Percentage Rate (APR) is accurate of 10/01/2025 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 $450, 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 $50,000 at 8.15% APR for 15 years is $482.17 per month.
**Annual Percentage Rate (APR) is accurate as of 10/01/2025 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 4.50%. 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 As low as
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
Rates effective as of 1/1/2025.
*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).
**Early withdrawal penalties may apply. Offer not available to business, public funds, or brokered deposits.
Savings Rates
Rates effective as of 9/1/2023.
APY = Annual Percentage Yield.
Checking Rates
*APY = Annual Percentage Yield. Rates subject to change without notice.
Secure Your Future with Low Rates
Secure your financial future with Sentinel FCU’s low-rate loans. From home equity loans to credit cards, our competitive rates ensure you get the financing you need at a rate you can afford. Apply now and see how much you can save.