• Debit Card changes coming soon. Get details on the opt-in notification.
• Need to reactivate your online banking account?
• Forgot your online banking password?
• Need to order checks?
• Send us a message

Telephone Numbers (Mon. – Fri. 9 am – 5 pm MT)
Main Phone: 605-923-1405
Toll-Free: 888-923-1400
Main Fax: 605-923-3960
Overseas DSN: 675-6303

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) 

Routing Number: 291479291 

Mailing Address
Sentinel Federal Credit Union
PO Box 700
Box Elder, SD 57719  

Email Us: Send us a message

Hours & Locations  I  ATMs  I  Shared Branching

CU*TALK is our new 24-hour phone banking system, which makes taking care of your credit union business faster, easier and safer! You’ll have around-the-clock access to your accounts which makes this service perfect for today’s busy lifestyles. Plus it’s free!

All you need to make contact with CU*TALK is a touch-tone phone, your account number, and your Personal Identification Number (PIN). Now you are all set to take care of business!

CU*TALK Guides You Through Each Step!

• Using your touch-tone phone, call toll free: 866-923-1448
• You will be asked to enter your account number followed by the # sign.
• Next, you will be prompted to enter your PIN followed by the # sign.

Main Menu Options

(1) Account inquiries, including balances and a list of recent transactions
(2) Perform money transactions, including transfers
(3) Hear current credit union rates or calculate estimated loan payments
(4) Change your PIN
(5) Change to a different account number
(6) Other credit union services, including locations and hours
(8) Repeat this menu
(9) End the call
(0) Hear the Tutorial
(*) Press * to return to the main menu at any time

Helpful Tips

• Be sure to press the # sign when asked.
• Keep your PIN confidential. This protects your privacy and keeps others from gaining access to your accounts.
• When entering dollar amounts, decimals are not required. For example, you would enter $25.00 as 2500
• CU*TALK may occasionally be unavailable for short periods so that we may perform maintenance. If you are unable to complete a transaction for this reason, try calling back later.
• Be extra careful when entering your PIN. Entering a PIN incorrectly three times will disable access to that account through CU*TALK. If this happens, contact the credit union directly for reactivation.

Cross-Member Transfer Request
Please fill out the Cross-Member Transfer Request Form if you want to be able to transfer funds between your accounts using Online Banking and/or Phone Banking.

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!

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

Your financial goal is our priority and we can help you reach those goals. Looking to buy a new car? Get pre-approved so you can go shopping with confidence for your new wheels. Time to own your own home? Then stop by and talk to us first. We’ll find the mortgage that’s right for your budget. Times have been tough. But now there is opportunity to get back on track. Remember we’re here for you every step of the way. Contact us today or apply online.

• New and Used Vehicle Loans
• Recreational Vehicle Loans
• First Mortgage Loans
• Home Equity & Line of Credit Loans
• Residential Lot Loans
• Personal Loans
• Line of Credit/Overdraft Protection
• Shared Secured Loans
• Credit Cards

Credit Insurance
Low cost insurance protection for you and your family!

• Credit life and credit disability insurance is available at a low cost.
• Credit life insurance premiums are calculated on the outstanding loan balance and decline as the loan balance drops.
• Provides peace of mind and financial security for your family in the event of disability or death.
• Ask your loan officer for more information when you apply.

Credit When Credit is Due
A financial course that teaches you how to manage your money.

• We offer a ½% discount on your next loan after completing this course
• More information on “Credit When Credit is Due” is available at http://www.creditwhencreditisdue.com/

MEMBERS® Auto and Homeowners Program
You trust Sentinel Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Get a Quote Now

MyLoanInsurance.com
If you received a notice in the mail requesting that you provide evidence of current insurance (as required by your loan agreement) please visit MyLoanInsurance.com to submit your insurance information electronically to us. To learn more about why this insurance is required, what to do if you don’t have insurance or to learn answers to other questions, please visit the FAQ page.

It’s a great time to open a new door …
with a low-cost Mortgage Loan from Sentinel Federal Credit Union.  

Should you wait to buy your first home or upgrade to your next home? Is it really a good time to refinance? 
 
If you’re thinking about buying, building, or refinancing a home, it’s a great time to make that move! Here’s why:

Rates are the lowest they’ve been in years.
Take a look at rates from as far back as the early 1960′s, and you’ll find that rates today are the lowest they’ve been in decades. That fact translates to great savings in your monthly payments.

You have options for greater flexibility. 
If you’re worried that you have limited options, think again! Whether you’re buying or refinancing, we offer competitive rates and lower fees for a variety of mortgage loans including FHA, VA and South Dakota Housing Loans. You pick the option that works best for your needs.

Our one-on-one personalized service is difficult to find with the other guys!
Whether you’ve been a credit union member for a few months or a number of years, you know the service you find here is tough to beat – and that level of service extends to our mortgage lending too!

So what are you waiting for? There’s never been a better time to get a home loan. Apply with us today!

Contact Pat Wahl, Mortgage Officer, at 605–923–6772 or toll free at 888–923–1400 or send Pat a message.

Calculators:

• How much home can I afford?
• Mortgage Payment Calculator
• Comparing mortgages (i.e. 15, 20, 30 year).

MEMBERS® Auto and Homeowners Program
You trust Sentinel Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We’ve joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.

• MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
• Convenient e-service, pay your bill or make changes to your policy, even report a claim.
• Receive fast, easy access to claims service 24-hours a day.
• Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.

Get a Quote Now

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)

• 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?

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.

• 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.

Ownership makes the difference
Sentinel Federal is a not-for-profit financial cooperative that is owned and operated by its members. Every member is an owner with an equal vote in the election of the credit union’s volunteer board of directors. Once you become a member of Sentinel Federal, you can remain a member for life, even if you change jobs, relocate or retire. Plus, after you become a member, your immediate family members are automatically eligible to join.

Membership
You are eligible for membership at Sentinel Federal if you live, work, worship, or go to school in, or are a business or other legal entity located in the following South Dakota counties: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory and Mellette.

Join Us
Stop into any branch and visit with one of our member services staff or Apply For Membership Online. We require an initial deposit of $5. This initial deposit represents your “share” of ownership. It is not a fee; it goes directly into your newly established Share/Savings Account.

Our Mission
The mission of Sentinel Federal Credit Union is to maintain integrity and protect the financial future of its member owners.

Additional Information

• 24/7 Services
• Other Services
• Fraud Alerts
• News & Notices
• Employment Opportunities
• Holiday Schedule
• Financials
• Hours & Locations
• ATM Locations
• Contact Us
• Shared Branching
• Order Checks
• Disclosures

Sentinel Federal Credit Union’s ABA Routing Number: 291479291

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.

___________________________________________________________

Online Bill Pay (Easy Pay) is simply a better way

Why do so many people choose online bill pay? Because they know it means more freedom, control, savings and security. Now it’s easy to pay a friend, take care of a utility bill, and keep track of every payment. Enroll today! The first two months are free and then it’s just $4.95 a month. View Demo

Convenience and control in just a few clicks 

• Schedule single or recurring payments in just a few steps, and you’ll never worry about missing a bill or late fees
• Track your payments history at a glance and follow all past, present and future scheduled transactions
• Receive helpful e-Notifications that let you know when payments are due or a bill has been paid
• Use the convenient online bill pay messaging center to keep tabs on account activity or inquire about your online payments

Safety and security with every transaction 

• Protect against check fraud with electronic payments instead of unsecured mail
• Guard against identity theft from lost or stolen checkbooks, bills and statements
• Increase your privacy because only you can access your account information, account numbers and payment history
• Maintain tighter control of your account with real time access to your payments activity

Sign up for online bill pay in 3 easy steps

1. Login to your Online Banking account
2. Use the Bill Payment link to access the enrollment form
3. Complete the enrollment form and you’re all set

Savings Bonds
Six Great Reasons to Buy Bonds

1. Easy to Buy – available at your credit union.
2. Safe and Secure – backed by the full faith and credit of the U.S.
3. Market – Based Investment – series EE bonds you buy today will earn market-based rates for 30 years.
4. Liquid Long-term Investment – your investment will grow for 30 years, but can be cashed anytime after six months.
5. Tax Advantages – bonds are exempt from state and local income tax.
6. Bonds are Good for America – money invested in savings bonds directly helps finance our country’s borrowing needs.

Series EE and Series I are the most common types of bonds. Series EE are purchased at half the face value and can take up to 18 years to mature. For example a $50 bond will cost $25, but at maturity will be worth $50. Series I bonds however, are purchased at face value and the value increases as it earns interest. Bonds can be purchased in the following denominations: $50, 75, 100, 200, 500, 1000, 5000 and $10,000. Current rates and more information on savings bonds are available on-line at www.publicdebt.treas.gov/sav/sav.htm 

Safe Deposit Boxes
Safe deposit boxes are safe and secure places to keep valuable personal items but they are not fire nor flood proof. Vaults are fire, flood, and heat “resistant”. Your box contents are not insured by the Credit Union. Ask your insurance agent about available options to insure the contents of your safe deposit box. Annual rental fees are automatically withdrawn from your savings or checking account on January 1st each year. Please contact us for availability. View Rental Fees

Direct Deposit
Direct Deposit is the easy way to deposit your paycheck. Instead of receiving a written check that you must personally bring to the Credit Union, your pay is electronically transferred from your employer right to your Credit Union account. Social Security and other government checks can also be direct deposited. There’s no standing in line and no reason to make a special trip to the Credit Union. It’s free, easy, safer and a time saver. Find out if your employer offers direct deposit. If so, ask for an enrollment form, usually available through your human resource department. Complete it and return it to your employer. Or, ask a Credit Union Member Service Representative for an enrollment form, fill it out and return it to your payroll department. Direct Deposit usually begins within 30 days.

Payroll Deduction
Save money the easy way – through payroll deduction. Most employers have a payroll deduction program, which allows employees to have a portion of their pay sent directly to the Credit Union. You can even arrange to have your loan payments or Christmas Saver account deposits made through payroll deduction. If you already have direct deposit at the Credit Union we can automatically transfer money to your savings account each payday. Just let us know how much you’d like transferred and to what account. Check with your employer about signing up for payroll deduction or inquire at the Credit Union.

Night Deposit
The easy way to conduct business after hours. Okay, it’s after Credit Union business hours, you forgot to make your deposit and you’ve got to be at work before we open in the morning — not a problem. Use the night deposit that’s available at the branches. 

It’s important to remember that deposits made after hours are posted the next business day. Friday after hour deposits will be posted on Monday. Please be aware however that checks trying to clear your account and automatic loan payments may occur before your night deposit is posted. This may result in an overdraft. If it is vital for you to have your deposit posted first thing in the morning, we recommend you bring it in personally. Don’t let the name “Night Deposit” mislead you, you can drop off a deposit there even during business hours, just remember it will be posted the next business day.

The key to your financial security

Primary Share Account
Your Primary Share establishes your Credit Union membership which gives you access to our many products and services. Making regular deposits into your Primary Share account is a great way to save for both expected and unexpected expenses.

• Minimum account balance is $5
• Dividends are paid monthly on balances of $100 and greater

Secondary Share Account
Set up a Secondary Share Account to accumulate funds for things like taxes and insurance. You can allocate funds to be deposited into your Secondary Share through payroll deduction or transfer from any of your accounts on a schedule of your choice.

• No minimum balance or opening balance required
• Dividends are paid monthly on balances of $100 and greater 

Christmas Saver Account
With a Christmas Saver Account you can set up automatic transfers into a special savings account used for your holiday gift buying.

• No minimum balance or opening balance required
• Dividends are paid annually on October 31st on daily balances of $100 and greater
• In November the balance you have in this account wil be automatically transferred to your Primary Share, just in time for your holiday shopping

Dream Saver Account
You can save for that dream vacation or that special item you’ve been dreaming of with a Dream Saver Account. By depositing systematically into this account you can make sure your funds are there when you need them.

• No minimum balance or opening balance required
• Dividends are paid monthly on daily blances of $100 and greater
• Funds are available to you once a year at the time of your choosing

Prime Saver Account
With a Prime Saver Account you will earn our highest rate without locking funds in for a specific term. This high-yield saving account is available to all of our members.

• $5,000 minimum balance
• Higher balances earn higher returns
• No monthly service charge (unless daily balance falls below $5,000 during the month then $5 monthly fee assessed)
• Dividends are compounded daily and paid monthly
• Minimum withdrawal amount is $250 with no more than six withdrawals per month

Super Saver Money Market Account
With a Super Saver account you will earn a higher rate without locking funds in for a specific term.

• $1,000 minimum balance
• Higher balances earn higher returns
• No monthly service charge (unless daily balance falls below $1,000 during the month then $5 monthly fee assessed)
• Dividends are compounded daily and paid monthly
• Minimum withdrawal amount is $250 with no more than six withdrawals per month

IRA Share Account
An IRA Share Account features no minimum balance requirement, making this a great starter account for you to deposit funds from ROTH and Traditional IRAs.

• No minimum balance or opening balance required
• No annual maintenance fee
• Dividends are paid monthly on daily balances of $100 and greater

Share Certificate & IRA Certificate
A Certificate is a safe investment with a higher yield than a regular savings account. You choose the interest rate and term that is best for you.

• Invest as little as $500
• Higher investment amounts receive a higher dividend rate
• Terms range from 3 to 48 months
• Special Bump-A-Rate available on any certificate excluding specials
• Dividends are compounded daily and paid quarterly
• Early withdrawal penalties may apply

Freedom IRA Certificate
With this 48 month IRA Certificate, you have the freedom to bump your rate twice during the term of the IRA Certificate and the freedom to make additional deposits of $100 or more during its lifetime.

• $500 minimum investment
• 48 month IRA Certificate
• Dividends are compounded daily and normally paid quarterly 

Traditional or Roth IRA
A secure way to save for your retirement. Contact us about a Traditional or Roth IRA.

• No enrollment or maintenance fees
• IRA basic savings accounts have no minimum balance and can be added to anytime
• IRA share certificates earn a higher dividend than the IRA basic savings account and have a $500 minimum balance.
• Contact your tax advisor or financial planner for which IRA is best for you.