Shop online with confidence. Use Verified by Visa. Your Visa card is now equipped with Verified by Visa—it password protects your card for free. To learn more, visit www.visa.com/verified.

Shop online with Verified by Visa today!

Debit Cards

Sometimes it’s difficult to keep up with the pace of life. But no matter what comes your way, you can enjoy it more simply by requesting a free Sentinel Federal Credit Union Visa Debit Card. With it, you have the purchasing power of Visa, plus ATM access to your Credit Union accounts. It’s safer than cash, faster than writing checks, and it’s accepted all over the place. So you can use your Debit Card to pay for movie tickets, gas, doctor visits, dry cleaning—virtually anything you need to keep your life moving.

Keep track of every purchase.
Purchases come directly from your checking account and are itemized on your monthly statement as well as online. You’ll see the merchant name, location, date and amount for every purchase.

Transactions available in real time.
Your Debit Card transactions are available in real time. This means most transactions are immediately reflected in your available balance. This includes deposits made at the Credit Union as well as your purchases and cash withdrawals.

Shop safe and secure.
When you press “credit” at the keypad and sign for your purchases, your card is protected by multiple layers of security, including: Visa’s Zero Liability Policy, so you won’t have to pay for unauthorized transactions; replacement funds, so any funds taken from your account due to fraudulent use will be returned; and continuous fraud monitoring for suspicious activity.

Pay with your Debit Card.
The next time you have to pay, reach for your Debit Card and discover just how easy life can be. Contact us today for your free Debit Card!

Debit Card & ATM Card Fees & Surcharge Information

• No transaction fee is charged when used in Sentinel Federal ATMs
• A small transaction fee is charged when used in ATMs not owned by Sentinel Federal. The owner of the ATM however, may apply an additional surcharge fee. A surcharge notice is normally displayed on the ATM screen before your transaction is processed.

Other Helpful Information about using your Debit Card

• To avoid a transaction charge anytime you have an option of entering debit or credit, choose credit. Entering a pin number results in a transaction fee.
• If you have a loan payment at Sentinel Federal that is late, the transaction maybe denied.
• Regulations allow only three electronic transfers per month, if your checking account is set up to transfer money from savings to checking if you overdraw, only three transfers are allowable per month.

Daily Limits

• Should your card be lost or stolen, daily limits have been set up for your protection.
• With your debit card, you may purchase up to a maximum of $1,500 per day, provided there are sufficient funds in your account.
• With your ATM card, you may make 10 cash withdrawals in any one day from an ATM, with a $400 maximum daily limit.

To Report Lost or Stolen Cards

During Normal Business Hours: 605-923-1405

After Business Hours:

800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards)

Your Sentinel Federal Credit Union Visa Credit Card earns Bonus Points for every net purchase you make! You earn one point for every net dollar you spend. Just think, every time you buy groceries, gas or dinner, you will be earning points. The more you use your Visa Credit Card, the more points you earn. Once you have accumulated enough Bonus Points, you can redeem them for brand-name merchandise and exciting travel rewards. Use your Visa Credit Card for all your purchases and you will be surprised how quickly your Bonus Points add up!

Visit ScoreCard Rewards to check your balance, redeem points or to view current merchandise and travel offerings.

Sentinel Federal Credit Union has a card to fit your need!

Credit Cards

Debit Cards

To Report Lost or Stolen Cards

During Normal Business Hours: 605-923-1405

After Business Hours:

800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards)

• Low variable rates
• No annual fees
• 28 day grace period on purchases
• No balance transfer fees
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Apply today for our Visa Classic Credit Card.

Helpful Information

• Credit Card Agreement
• Verified By Visa
• Let us know if you’ll be traveling with your card
• To report lost or stolen Credit Cards:

During Normal Business Hours: 605-923-1405
After Business Hours: 800-543-5073

 
Visa® Secured Credit Card
Everyone qualifies for the Sentinel Federal Visa Secured Credit Card, regardless of their credit history.

• Non-variable rate as low as 10.00% APR*
• Card is secured by your savings
• No annual fee
• No grace period on purchases
• Earns ScoreCard Reward Points for every net purchase you make
• Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
• Protection from unauthorized charges and lost and stolen card charges at no additional cost

Apply today for our Visa Secured Credit Card.

Helpful Information

• Credit Card Agreement
• Verified By Visa
• Let us know if you’ll be traveling with your card
• To report lost or stolen Credit Cards:

During Normal Business Hours: 605-923-1405
After Business Hours: 800-543-5073

*APR = Annual Percentage Rate. Your actual rate and term may vary, depending upon your credit history and other factors. Other conditions, restrictions and credit approval apply.

Haines Branch
1430 N. Haines Ave., Suite 101
Rapid City, SD 57701  

Lobby Hours: Mon. – Fri. 9 am – 5 pm (MT)
Drive-Up: Mon. – Fri. 7:30 am – 5:30 pm (MT)
Drive-Up: Sat. 9 am – Noon (MT)  

Triple Crown Branch
4011 Triple Crown Drive
Rapid City, SD 57701  

Lobby Hours: Mon. – Fri. 9 am – 5 pm (MT)
Drive-Up: Mon. – Fri. 9 am – 5:30 pm (MT)
Drive-Up: Sat. 9 am – Noon (MT)  

Winner Branch
PO Box 87
757 W. 2nd St.
Winner, SD 57580  

Phone: 605-842-3581
Fax: 605-842-1370  

Lobby Hours: Mon. – Fri. 8:30 am – 3:30 pm (CT)
Drive-Up: Mon. – Fri. 8 am – 3:30 pm (CT)

Finance Office (Located in Kopren Motors Dealership)
208 Frontage Road
Box Elder SD 57719

Hours:
Mon. – Fri. 9 am – 6 pm (MT)
Sat. 10 am - 2 pm (MT)  

Shared Branching
Shared Branching gives you convenient access to your credit union accounts at over 185 credit union locations. Get details

• Terms & Conditions of Your Account
• Electronic Fund Transfers – Your Rights and Responsibilities
• Your Ability to Withdraw Funds
• Truth-In-Savings
• Substitute Check Policy
• Privacy Policy
• Schedule of Fees – Common Features
• Courtesy Pay Disclosure
• Reg E Opt-In

Visa Credit Card

• Visa Credit Card Agreement
• Visa Classic Application and Solicitation Disclosure
• Visa Secured Application and Solicitation Disclosure

Electronic Disclaimer

Rates, terms, special offers and other information on our website are subject to change without notice. The calculators are intended to provide approximate information and do not constitute an offer to extend credit. Your actual payment information may vary. Please contact Sentinel FCU for exact payment information. Sentinel does not guarantee accuracy or completeness of information provided on this site due to varying and out side factors, such as, but not limited to, the fact that websites are not always accessible and information provided by other sites that we are linked to are out of our control.

DO NOT RESPOND to these fraudulent messages. These messages are phishing scams attempting to steal your personal information. Sentinel Federal Credit Union will NEVER contact you via email, text, or phone asking for confidential or sensitive information. Remember never give out your sensitive information to people who contact you.

Contact us immediately at 605-923-1405 or 888-923-1400 if you responded to a fraudulent message and have given out any information.

Recent Fraud Alerts

Learn more about Phishing Scams and how you can protect your confidential information.

To Report Lost or Stolen Cards (Mon. – Fri. 9 am – 5 pm MT)
Main Phone: 605-923-1405
Toll-Free: 888-923-1400

To Report Lost or Stolen Cards (After Business Hours)
800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards)

New Federal Reserve rules allow you to make decisions about overdrafts for transactions made with your debit or ATM cards. Under the new rules, you must give us your permission to apply our standard overdraft practices to your everyday debit card and ATM transactions. The information below should be helpful as you consider your options.

To grant this permission, simply complete the opt-in request form below and we’ll add that coverage to your account.

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account
• Automatic bill payments
• ACH transactions

Effective July 1, 2010 for new accounts and August 15, 2010 for existing accounts, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if the Credit Union pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $35 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want the Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, simply complete the opt-in request form below and then click submit. You may also call 605-923-1405 or toll free at 888-923-1400.

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Order Checks & Accessories
Order your checks online from Harland Clarke, our preferred provider, at OrderMyChecks.com. Plus shop for accessories to complement your check order with matching covers, address labels and debit card holders.

• Our Routing Number is 291479291
• Check orders will be sent to the mailing address on your account
• Your total will be deducted from your checking account when your order ships

Secure, Fast Ordering
Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your  transactions  and account information are safe and completely confidential. 

First Time Orders
If this is the first time ordering checks for your account, please contact the Credit Union or stop by any branch to complete your order.

2010 Holiday Closings

Assets

Liabilities

2009 Annual Report

Rapid City, SD: Drive-Up ATMs
Haines Branch: 1430 N. Haines Ave.
Triple Crown Branch: 4011 Triple Crown Drive

Ellsworth AFB, SD
Drive-Up ATM: Located in BX Parking Lot
Walk-Up ATM: Located in Shoppette

Box Elder, SD: Drive-Up ATM
Next to Kopren Motors Dealership: 208 Frontage Road

Thursday, October 21, 2010
Social Half Hour 6:30 PM
Business Meeting 7:00 PM

Join us at the Hampton Inn, 1720 Rapp Street in Rapid City, S.D. (Exit 59 off I-90).

To RSVP, call 605-923-1405 or 888-923-1400 or send us an email by Oct. 15. Thank you for your membership!

It’s Me 247 Online Banking plus E-Statements

Take care of your finances from the comfort of your home for free! 

• View your e-Statements online*
• Review account balances
• Transfer funds and make payments
• Apply for loans
• Get notifications with eAlerts
• Plus all of your transactions post in real time!
  

Enroll for E-Statements and you could Win a Wii™*

You’ll Love E-Statements – an email message lets you know your statement is available much sooner than a mailed copy.

It’s Safe and Convenient - with your confidential password you can access your statements anywhere you have Internet access.

It’s Easy – Simply logon to It’s Me 247 online banking and select “Preferences”.

It’s Environment Friendly – Save trees with electronic statements. Print only if needed.

*One (1) Prize Winner will be selected on or about October 4, 2010 by a random drawing from all qualified entries submitted between August 1 and September 30, 2010. View the contest rules here.

________________________________

Enroll in Online Banking & e-Statements today!

Mobile Web Banking

Take care of your finances on the go with Mobile Web Banking! 

• Check balances
• Transfer funds
• Monitor account status and more!

Need to reactivate your online banking account?

Forgot your online banking password?

Online Services Cancellation Request Form 

Routing Number: 291479291

We’ve all been hearing how low mortgage rates are but do you know what that means for you? Now’s the perfect time to buy or refinance your home. At Sentinel Federal Credit Union we offer competitive rates and lower fees for a variety of mortgage loans including FHA, VA and South Dakota Housing Loans.

Contact Pat Wahl, our Mortgage Loan Officer, and learn about the flexible programs we have and which one could be best for your individual needs. So before you finalize those plans, or start to search the Black Hills to look at one of the many homes on the market, visit with Pat. He’ll get you pre-approved and find you the right mortgage. Contact Pat at 605–923–6772 or toll free at 888–923–1400 or send Pat a message.

Enroll for E-Statements and you could Win a Wii™*

You’ll Love E-Statements – an email message lets you know your statement is available much sooner than a mailed copy.

It’s Safe and Convenient - with your confidential password you can access your statements anywhere you have Internet access.

It’s Easy- Simply logon to It’s Me 247 online banking and select “Preferences”.

It’s Environment Friendly – Save trees with electronic statements. Print only if needed.

Enroll in Online Banking & e-Statements today!

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Make your life easier … SKIP your next payment!

Need extra cash for a family vacation, back to school shopping or an unexpected car repair? Take advantage of our Skip-A-Payment Program, which allows you to skip one month’s payment on your qualifying credit union loans. Learn More

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Find us on Facebook

We’re connecting with our members on Facebook. Check out Sentinel Federal’s page on Facebook and become a fan!

Loan Rates effective as of August 2, 2010
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

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.

Note: Interest rates on home equity loans will increase 1% on loans with a 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property.

Loan rates are based on credit history, term of loan, year and type of collateral.

*Annual Percentage Rate (APR) may change without notice.

First Mortgage Rates

Please contact our Mortgage Loan Officer at 605-923-6772 or 888-923-1400 for rates and applications for our first mortgage products and residential lot loans.

Share Savings & Checking Rates

Share Rates effective as of September 1, 2010

*APY is Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts.

Share Certificates & IRA Certificates

Certificate Rates effective as of September 1, 2010

Special Bump-A-Rate available on any certificate excluding specials. Minimum deposit $500.

*APY is Annual Percentage Yield. $500 minimum balance requirement. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce the earnings on the accounts. Specials will automatically renew into the same term at maturity if that same term special is available from the Credit Union. Otherwise specials will automatically renew to the closest regular term. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and National Credit Union Administration, a U.S. Government Agency. IRAs up to $250,000.

**Maximum $100,000 in special certificates per SSN.

• No minimum balance
• No monthly service charge*
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

*Notice: $5 monthly inactivity charge is assessed after 3 months of inactivity if over 18 years of age and less than $200 balance.

Bonus Checking

• $500 minimum balance to earn dividends
• Dividends earned daily
• $7.50 monthly service charge is assessed if balance falls below the $500 minimum on any day during the month
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available
• Online Bill Pay available

Prime Checking (Exclusively for 55 and wiser!)
This attractive dividend-bearing checking account is available for our Prime Time Club members and offers:

• $1,000 minimum balance to earn dividends
• Dividends are earned daily (compounded and paid monthly)
• No monthly service charge (unless daily balance falls below $1,000 during the month then $7.50 monthly fee assessed)
• Free unlimited check writing
• Free direct deposit
• Free Debit Card or ATM Card
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Overdraft Protection available

As a Prime Time Club member you’ll receive these extra perks**

• Free Online Bill Pay
• Free box of standard checks each year
• Free fax and photocopies
• Free money orders and cashiers checks
• Free domestic wire transfers
• Free Call Center services available Monday – Friday, 9 a.m. to 5 p.m. MT
• Discount 1/2% on loan rates (includes auto, campers, motorcycles, ATV and boats)

Qualifications to join Sentinel Federal’s Prime Time Club:
This is a FREE CLUB for Sentinel Federal Credit Union members who are 55 years old and wiser! As a Prime Time Club member you are eligible for special services and discounts with Sentinel Federal Credit Union and local area merchants.

You are eligible for a Prime Time Club account if you:

• have joined Sentinel Federal,
• are 55 years of age or over, and
• have a Prime Checking account

Plus, you must either:

• have a $5,000 balance in a Prime Saver account, or
• maintain a recurring monthly Direct Deposit in a Prime Checking account or regular Savings account

**Benefits are subject to change without notice. Some limitations may apply. A joint checking account relationship held by either you or your spouse qualifies both of you for a Prime Time Club membership.

Rebuilder Checking
If you’ve been declined for a checking account, then call us today at 605-923-1405 or toll free at 888-923-1405 and ask about our Rebuilder Checking.

Need to order checks?

Business Basic Checking has the features and benefits targeted to sole proprietor relationships and small businesses (small number of transactions – generally less than 30 checks written and less than 100 deposited items monthly).

• No minimum balance
• Nominal $5 monthly fee
• Free unlimited check writing
• Free first order of duplicate deposit slips
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Online Bill Pay available
• Overdraft Protection available
• Night Depository available

Business Bonus Checking designed for medium to large businesses will help keep your business moving in the right direction.

• $1,500 minimum balance
• No monthly charge (If daily balance falls below $1,500 during the month then $7.50 monthly fee assessed.)
• Dividends are compounded daily and paid monthly on balances of $1,500 and greater
• Free unlimited check writing
• Free first order of duplicate deposit slips
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Free Online Bill Pay
• Overdraft Protection available
• Night Depository available

Non-Profit Checking is used for non-profit accounts where the non-profit has a tax designation of tax exempt by the IRS. There must be a tax number on file to report any dividends.

• No minimum balance
• No monthly charge
• Dividends are compounded daily and paid monthly on balances of $500 and greater
• Free unlimited check writing
• Free personal size checks
• Free deposits
• Free Debit Card
• Free Call Center services
• Free 24-hour phone banking with CU*TALK
• Free online banking with It’s Me 247 Online Banking
• Free Notary Service
• Free Coin Counting
• Free Deposit Bag
• Online Bill Pay available
• Night Depository available

Business Checking Dividend Rates

Need to order checks?

We believe that you get the best car buying value when you have your loan pre-approved before you go vehicle shopping. We’ll give you great car buying tips that can save you money. You’ll also know how much you can afford to spend on that new auto and what your monthly payments will be. Then when you’re ready to buy you’ll be purchasing with the buying power of cash. Since buying a vehicle is one of the most significant purchases we make, doesn’t it make sense to take a little more time and become an informed shopper. We’d love to help you get the best deal.

Additional Benefits:

• 100% financing on most new and used vehicles
• The better your credit, the better your rate
• Simple interest at a competitive rate
• No penalty for early payoff
• Credit Life and Disability Insurance offered at low rates

Get Preapproved l Auto Loan Calculator

GAP (Guaranteed Asset Protection)
Do you owe more than your vehicle is worth? Ever consider what will happen if your vehicle is totaled in an accident or stolen? GAP is designed to protect members against financial loss in the event their vehicle is stolen or declared a total loss due to an insured peril. GAP pays the difference between the primary auto insurance carrier’s settlement and the protected loan balance. Most everyone is eligible for the coverage and for a small charge you can sleep well knowing your investment is protected.

MRC (Mechanical Repair Coverage)
Have you ever considered buying an extended warranty? Have you been over-charged at a dealership in the past? Mechanical Repair Coverage helps pay the covered repairs on your vehicle when the unexpected breakdown occurs. For a few dollars a month, you can protect your vehicle and your finances from expenses that could total thousands of dollars. With MRC, your vehicle will be back on the road and you will rest easy knowing you saved a lot of money. 

Partnerships … Working to your advantage!