• 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.

• Click the “I forgot my password” link on the login page of It’s Me 247 Online Banking
• Correctly answer the three security questions that you had set up
• Then, set up a new password to use for online banking

If you can’t remember the answers to your security questions, please call us at 605-923-1405 or toll-free at 888-923-1400. We can reset your questions and password for you, then you will need to log in right away and set up new ones. 

Has your Online Banking password expired?
Please call us at 605-923-1405 or toll-free at 888-923-1400 and we’ll reset your password for you, then you will need to log in right away and set up new ones. 

Would you like to enroll in Online Banking & e-Statements?
To enroll in Online Banking & e-Statements, please complete our Online Banking Enrollment Form.

Full Time Teller
Primary duties include processing monetary transactions to include deposits, withdrawals, checks, credit card payments, loan payments and cash advances for the members, sell credit union services that best meet the members’ financial needs and provide members with courteous and prompt attention. Qualified applicants must be service-oriented and possess some similar or related experience, possess numerical aptitude and intermediate mathematical skills, and possess basic proficiency in one or more software programs.

Join Our Team
We are continually seeking applications. If you would like to become a member of our team, please complete our Employment Application or email your resume to hr@sentinelfcu.org. Applications are kept on active file for six months.

You may also forward your resume to Sentinel Federal Credit Union, Human Resources, P.O. Box 700, Box Elder, SD 57719 or fax to 605-923-3960.

Sentinel Federal Credit Union is an Equal Opportunity Employer.

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.

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.

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.

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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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)

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)

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!

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

Assets

Liabilities

2009 Annual Report

• 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

Sentinel Federal Credit Union offers our Business members:

• Checking
• Savings
• Debit & Credit Cards
• Loans & Lines of Credit
• Merchant Processing Services

Through a strategic alliance with Newtek Business Services, Inc., our Business members can take advantage of the following services:

• Small Business Finance (SBA Lending from $25,000 to $2,000,000)
• Data Storage
• Web Hosting
• Web Design & Development

Your business is eligible for membership if either:

• At least one equity owner of the business is a member or
• The business entity is located within our field of membership: Pennington, Lawrence, Meade, Custer, Lyman, Todd, Tripp, Gregory, or Mellette Counties.

Contact our Business Financial Service Representative for more information.

Phone: 888-923-1400
Email: dobusiness@sentinelfcu.org

Call Center Services available M-F from 9 a.m. – 5 p.m. (MT) at no charge!

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)

• 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?