rates

Loan Rates

Loan Rates effective as of April 18, 2012
Loan rates are based on credit history, term of loan, year and type of collateral.
*Annual Percentage Rate (APR) may change without notice.

 


New Vehicle Loans (2010 and Newer)

Term APR* as low as
24 months 2.50
36 months 2.65
48 months 2.70
60 months 2.75
72 months ($20,000 min) 3.35
84 months ($25,000 min) 5.00

Used Vehicle Loans (2005 – 2009)

Term APR* as low as
24 months 3.30
36 months 3.35
48 months 3.40
60 months 3.45
72 months (2009 only) 3.90

Used Vehicle Loans (2002 – 2004)

Term APR* as low as
36 months 4.10
48 months ($10,000 min) 5.10

Used Vehicle Loans (2001 and Older)

Term APR* as low as
36 months 6.99

Classic Cars
Completely restored and registered at Court House as antique

Term APR* as low as
48 months 6.99

Motorcycle Loans – New and Used

Term APR* as low as
24 months 6.05
36 months 6.05
48 months 6.05
60 months 5.25
72 months 5.50
84 months ($20,000+) 5.75

Snowmobiles, ATV & Personal Watercraft Loans

Term APR* as low as
New – 48 months 5.99
New – 60 months ($7,000+) 6.25
Used (1 to 5 years) – 42 mo 6.49

Motor Homes, Campers, Travel Trailers, 5th Wheels,
Boats & Horse Trailer Loans

Term APR* as low as
36 months 6.95
60 months 6.50
84 months 5.75
96 months 5.85
120 months 6.25
144 months 6.85

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+ (up to 60 months) 11.50

Personal Loans

Term APR* as low as
$300.00-$999.99 (18 months) 13.00
$1,000+ (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 -
Visa Credit Card -

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 April 16, 2012

Share Savings Account APY*
$5 – $99 0.000
$100 – $4,999 0.050
$5,000 – $24,999 0.050
$25,000+ 0.050
IRA Share Account APY*
$100 minimum 0.600
Club Accounts APY*
Christmas Saver ($100 minimum balance) 0.100
Dream Saver ($100 minimum balance) 0.100
Money Market Account (Super Saver) APY*
$1,000 – $2,499 0.050
$2,500 – $9,999 0.070
$10,000 – $24,999 0.100
$25,000+ 0.150
Prime Saver Account APY*
Up to $4,999 0.080
$5,000 – $24,999 0.120
$25,000 – $49,999 0.170
$50,000 – $99,999 0.220
$100,000+ 0.260
Checking Accounts APY*
Basic Checking 0.000
Bonus Checking: $500 – $2,499 0.000
Bonus Checking: $2,500+ 0.050
Prime Checking (55+): $1,000 minimum 0.050
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 April 16, 2012

Term $500 – $9,999
APY* 
$10,000+
APY*
3 Months 0.150 0.150
6 Months 0.320 0.320
12 Months 0.500 0.500
24 Months 0.700 0.700
36 Months 1.070 1.100
48 Months 1.470 1.500
60 Months 1.800  

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.