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.

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

• 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.

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

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!

 _____________________________ 

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

_____________________________ 

Find us on Facebook

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

or a …

Home Equity Line of Credit with a variable rate
as low as 4.00% APR* with approved credit.

Are you looking to make home improvements, pay for college tuition or finally take that much needed vacation? Then Sentinel Federal Credit Union may be able to help you with a Fixed-Rate Home Equity Loan or a variable rate Home Equity Line of Credit!

A Home Equity Loan or Line of Credit is also great for those of you who want to consolidate debts without refinancing your first mortgage, or for those of you who want to pay off higher interest consumer debt with a loan secured by their home in order to gain possible tax advantages. Consult a tax advisor regarding the tax deductibility of interest.

Fixed-Rate Home Equity Loan
Choose from a variety of terms and save money with fixed rates as low as 5.49% APR. With the fixed-rate home equity loan, you get the entire amount of the loan at closing and the rate never changes over the life of the loan.

• Offers a low, fixed rate
• Repayment terms up to 15 years
• Borrow up to 100% of current appraised value with approved credit
• Interest rates on home equity loans will increase 1% on loans with 90% or greater loan-to-value (LTV) ratio based on the appraisal of the property
• Minimum loan amount is $5,000 with $100 minimum monthly payment
• Usually the estimated costs to obtain a Home Equity Loan is $175
• For example, a payment for a $20,000 Home Equity loan at 5.49% for 60 months would be approximately $382 per month

Variable Home Equity Line of Credit (HELOC)
With a variable Home Equity Line of Credit you borrow only what you need, only when you need it and pay interest on only what you borrow! Variable rate as low as 4.00% APR with approved credit.

• This is a revolving line of credit secured by improved real property.
• Borrow up to 100% of current appraised value with approved credit
• For example: Appraisal of home $100,000
  • 90% of appraised value = $90,000
  • Less mortgage debt – $50,000
  • Potential line of credit $40,000
  • Minimum loan amount is $5,000 with $100 minimum monthly payment
• Usually the estimated costs to obtain a Home Equity Line of Credit is $175
• Maturity is up to 20 years depending on loan amount
• The Draw Period is 5 years from the funding date of the loan. After that time, further draws are not allowed
• The Repayment Period is up to 20 years including the 5-year Draw Period
• Interest Rate Cap: The annual percentage rate shall not be increased or decreased by more than two percentage points annually

For a better understanding of Home Equity Lines of Credit, please read: When Your Home Is On The Line: What You Should Know About Home Equity Lines of Credit

Contact us for a Home Equity Application

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.

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)

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.

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!

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

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
• Common Features (Fee Schedule)
• Shared Branching
• Order Checks
• Privacy Policy

Sentinel Federal Credit Union’s ABA Routing Number: 291479291

The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we collect, as described below, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide to them.

Information We Collect And Disclose About You

We collect and may disclose nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan applications and other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Sentinel Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard you nonpublic personal information

Our goal is to provide you with the best financial products and services available. Our commitment is to protect your privacy in all situations.

• 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?

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.