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.
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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
2019-2022
Credit Tier
760>
Up to 24 months
5.45%
36 months
5.50%
48 months
5.55%
60 months
$10,000 MIN
5.65%
72 months
$20,000 MIN
5.75%
84 months
$25,000 MIN
6.00%
2018 and Older
Credit Tier
760>
36 months
7.50%
48 months
7.55%
Rates effective as of 2/2/26.
*Annual Percentage Rate (APR), rates effective as of October 1, 2025, are subject to change without notice. Your APR will vary based on creditworthiness, vehicle age, loan term, and down payment. Example: At 4.95% APR for 24 months with 0% down, monthly payment is approximately $43.85 per $1,000 borrowed. Minimum loan amounts apply (e.g., $20,000 for 72 months). Approval subject to credit review. Contact Sentinel Federal Credit Union at 605-923-1405 or Black Hills area auto dealers for qualification details.
Recreational Vehicle Loan Rates As low as
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Credit Tier
760>48 months
6.55%
60 months
6.60%
72 months $20,000 MIN
7.10%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Credit Tier
760>48 months
7.00%
60 months
7.10%
72 months $20,000 MIN
7.25%
Rates effective as of 2/2/26.
*Annual Percentage Rate (APR), rates effective as of Jan. 1, 2026, are subject to change without notice. Your APR will vary based on creditworthiness, vehicle age, loan term, and down payment. Example: At 6.85% APR for 60 months with 0% down, monthly payment is approximately $19.73 per $1,000 borrowed (e.g., $20,000 for 84 months). Approval subject to credit review. Contact Sentinel Federal Credit Union at 605-923-1405 or Black Hills area auto dealers for qualification details.
Personal Loans As low as
*Annual Percentage Rate (APR), rates effective as of October 1, 2025, are subject to change without notice. For personal loans, APR varies by creditworthiness and term (e.g., 10.50% APR for 60 months on $1,000+; example payment: $21.49 per $1,000 borrowed).
For line of credit, APR is 11.25%, subject to credit approval, with no annual fee, contact 605-923-1405 for details.
Home Loans As low as
Home Equity Line of Credit
Credit Tier
760>
120 months
6.50%
*Annual Percentage Rate (APR) rates effective as of December 11, 2025, are subject to change without notice. For home equity loans, APRs (e.g., 8.15% for 121-180 months) vary by credit and term; example: $50,000 at 8.15% APR for 15 years is $482.17 monthly, with $450 estimated closing costs (excluding potential appraisals/title insurance). No downpayment considered for home equity loans. Interest rates increase 1% on loans with 90% or greater loan-to-value ratio based on the appraisal of the property. This type of credit is not available for modular homes, manufactured homes or cooperatives. Other restrictions may apply.
For HELOC, variable APR (4.00% floor, max 18.00%) based on Wall Street Journal Prime + margin (up to 4.50%), with 120-month term; $200 origination fees. The rate may vary depending on 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. This type of credit is not available for modular homes, manufactured homes or cooperatives. Approval subject to credit/property review.
Call 605-923-1405 for current rates and programs.
Visa Credit Cards As low as
*Annual Percentage Rate (APR), rate effective as of December 11, 2025, is as low as 12.49% for credit tier 750+, subject to change without notice. APR varies by creditworthiness, no annual fee. Grace period is 25 days on new purchases; balance computed via average daily balance including new transactions. Not all qualify; approval requires credit review. Contact 605-923-1405 for eligibility or terms.
Certificate Rates
Rates effective as of 11/1/2025.
*Annual Percentage Yield (APY). Rates effective as of 11/1/2025, $500 minimum balance required to open account and obtain disclosed APY. Rates change without notice. Fees may reduce earnings. Early withdrawal penalties may apply. The Bump-A-Rate feature is available upon request (excluding Special term certificates). Offer not available to business, public funds, or brokered deposits.
Savings Rates
Rates effective as of 11/1/2025.
*Annual Percentage Yield (APY), Rates effective as of November 1, 2025, are subject to change without notice. APY varies by tier (e.g., 0.150% for $25,000+ $5.00 Share Account); Fees may reduce earnings. Call 605-923-1405 for details.
Checking Rates
*Annual Percentage Yield (APY), Rates effective as of September 1, 2023, are subject to change without notice. APY varies by tier (e.g., 0.100% for $2,500+ $5.00 Share Account); Fees may reduce earnings. Call 605-923-1405 for details.
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.