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Loans

catherinem — Mon, 09 Aug 2010 14:00:23 +0000

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.

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

The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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.

Savings & Investments

catherinem — Fri, 04 Jun 2010 08:45:23 +0000

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.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government and the National Credit Union Administration, a U.S. Government Agency. Retirement accounts are insured up to $250,000.

Mortgages

catherinem — Mon, 23 Aug 2010 15:00:23 +0000

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:

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

Rates

catherinem — Wed, 01 Sep 2010 14:00:23 +0000

Loan Rates

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.

Vehicle Loans – New	Term	*APR as low as**
2008 – Newer (up to 100% Retail Value)	24 months	3.65
	36 months	3.90
	48 months	4.35
	60 months	4.40
($20,000 min.)	72 months	4.65
($25,000 min.)	84 months	5.90

Vehicle Loans – Used	Term	*APR as low as**
2003 – 2007 (up to NADA Book Retail Value)	24 months	4.25
	36 months	4.50
	48 months	4.60
	60 months	4.65
(2007 only)	72 months	5.65
2000 – 2002 (up to NADA Book Retail Value)	36 months	6.10
($10,000 min.)	48 months	7.10
1999 – Older (up to NADA Book Retail Value)	24 months	8.60

Classic Car Loans	Term	*APR as low as**
Completely restored and registered at Court House as antique	48 months	8.25

Motorcycle Loans	Term	*APR as low as**
New and Used	24 months	7.95
	36 months	7.20
	48 months	6.15
	60 months	6.20
	72 months	6.35
($20,000+)	84 months	6.45

Snowmobiles, ATV & Personal Watercraft Loans	Term	*APR as low as**
New (up to 100% Retail Value)	48 months	5.99
($7,000+)	60 months	6.25
Used (up to NADA Book Retail Value)	42 months	6.49

Motor Homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailer Loans	Term	*APR as low as**
New and Used	36 months	8.20
	60 months	7.20
	84 months	6.20
($10,000+)	96 months	6.45
($15,000+)	120 months	7.45
($25,000+)	144 months	7.45

Mobile Home Loans	Term	*APR as low as**
0 – 5 years	up to 144 months	9.50
6 – 10 years	up to 84 months	10.50
11 years and older	up to 60 months	11.50

Personal Loans	Term	*APR as low as**
$300.00 – $999.99	18 months	13.00
$1,000.00+	60 months	11.15

Other Loans	Term	*APR as low as**
Line of Credit/Overdraft Protection	-	16.00
Shared Secured	-	6.50
Home Equity Loan & Line of Credit	-	-

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

Share Savings Account	APY*
$5 – $99	0.000
$100 – $4,999	0.050
$5,000 – $24,999	0.100
$25,000+	0.150

IRA Share Account	APY*
$100 minimum	0.950

Club Accounts	APY*
Christmas Saver ($100 minimum balance)	0.500
Dream Saver ($100 minimum balance)	0.500

Money Market Account (Super Saver)	APY*
$1,000 – $2,499	0.150
$2,500 – $9,999	0.250
$10,000 – $24,999	0.400
$25,000+	0.500

Prime Saver Account	APY*
Up to $4,999	0.150
$5,000 – $24,999	0.400
$25,000 – $49,999	0.500
$50,000 – $99,999	0.600
$100,000+	0.700

Checking Accounts	APY*
Basic Checking	0.000
Bonus Checking: $500 – $2,499	0.050
Bonus Checking: $2,500+	0.100
Prime Checking (55+): $1,000 minimum	0.150
Dormant Account: $5 minimum	0.030

*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.

Term	APY*
Term	$500 – $9,999	$10,000+
3 Month	0.650	0.650
6 Month	0.800	0.800
12 Month	1.000	1.030
24 Month	1.350	1.400
36 Month	1.700	1.750
60 Month	2.500
17 MONTH SPECIAL**	1.550	1.580
27 MONTH SPECIAL**	1.800	1.830

48 Month Freedom IRA Certificate	Term	APY*
You have the freedom to bump your rate twice during the term of the IRA Certificate plus the freedom to make additional deposits of $100 or more during its lifetime.	48 months	2.400

*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.