MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Sentinel Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Sentinel Federal Credit Union Rates & Review October 2026

Sentinel Federal Credit Union's top rates as of October 12, 2026 are 3.75% APY on its CDs & IRA CDs - 12 Month CD, 1.00% APY on money market accounts, 0.10% APY on checking, rv, boat and powersport loans from 6.50% APR, and credit cards from 12.74% APR, according to rates verified by MonitorBankRates. Other Sentinel Federal Credit Union CD rates include CDs & IRA CDs - 18 Month at 3.75%, CDs & IRA CDs - 24 Month at 3.75%, and CDs & IRA CDs - 36 Month at 3.75%. MonitorBankRates evaluates the financial stability of Sentinel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.29%. Rates last updated and verified on 10/12/2026.

Sentinel Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sentinel Federal Credit Union? Share your experience about Sentinel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sentinel Federal Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.29%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Sentinel Federal Credit Union
Main
2723 LeMay Blvd
Ellsworth AFB, SD 57706
https://www.sentinelfcu.org
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Sentinel Federal Credit Union CD Rates

Product Rate APY Term View More
Share Certificates & IRA Certificates - 12 Month 3.683% 3.75% 12 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 18 Month 3.683% 3.75% 18 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 18 Month 3.683% 3.75% 18 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 24 Month 3.683% 3.75% 24 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 24 Month 3.683% 3.75% 24 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 36 Month 3.683% 3.75% 36 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 36 Month 3.683% 3.75% 36 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 48 Month 3.683% 3.75% 48 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 48 Month 3.683% 3.75% 48 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 6 Month 3.683% 3.75% 6 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 6 Month 3.683% 3.75% 6 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 60 Month 3.683% 3.75% 60 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 60 Month 3.683% 3.75% 60 months
Min Balance $25,000
Details Tier 2; Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificates & IRA Certificates - 12 Month 3.581% 3.65% 12 months
Min Balance $500
Details Tier 1; Balance: $500.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Saver 0.20% 0.20%
Min Balance $100
Details Share Savings Account; $100.00 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Dream Saver 0.05% 0.05%
Min Balance $100
Details Share Savings Account; $100.00 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.99% 1.00%
Min Balance $50,000
Details Balance: $50,000.00 +
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 17, 2026: 1.00% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Money Market 0.95% 0.95%
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.990
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.95% APY · checked 4 times
0.45%0.95%1.45%Sep 17, 2026: 0.95% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Money Market 0.80% 0.80%
Min Balance $1,000
Details Balance: $1,000.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.80% APY · checked 4 times
0.30%0.80%1.30%Sep 17, 2026: 0.80% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Checking Rates

Product Rate APY View More
Bonus Checking 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500.00 +
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 17, 2026: 0.10% APYSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.75% 120 months
Details Credit Tier: 760>
Last Updated 10/12/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 14, 2026: 6.50% APRSep 18, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.75%▲ from 6.50%
  • Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Land/Lot Loans - - 7.25% 10 years
Details Credit Tier 760>; APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 12, 2026: 7.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Land/Lot Loans - - 7.50% 15 years
Details Credit Tier 760>; APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Land/Lot Loans - - 7.75% 20 years
Details Term: 20 years amortization with a 5 year balloon; Credit Tier 760>; APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.75% APR
7.25%7.75%8.25%Oct 12, 2026: 7.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Land/Lot Loans - - 8.00% 30 years
Details Term: 30 years amortization with a 5 year balloon; Credit Tier 760>; APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.00% APR
7.50%8.00%8.50%Oct 12, 2026: 8.00% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Loan - - 8.00% 61 - 120 months
Details As Low As; Credit Tier: 760>; Interest rates increase 1% on loans with 90% or greater loan-to-value ratio
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Loan - - 8.15% 121 - 180 months
Details As Low As; Credit Tier: 760>; Interest rates increase 1% on loans with 90% or greater loan-to-value ratio
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 8.15% APR · checked 7 times
7.65%8.15%8.65%Sep 18, 2026: 8.15% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Home Equity Land/Lot Loans - - 8.25% 30 years
Details Term: 30 years amortization with a 10 year balloon; Credit Tier 760>; APR
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 12, 2026: 8.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - 2023 and Newer - - 4.74% Up to 24 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2023 and Newer - - 4.85% 36 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.85% APR
4.35%4.85%5.35%Oct 12, 2026: 4.85% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2023 and Newer - - 4.99% 48 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2023 and Newer - - 5.24% 60 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>; Minimum loan amount: $10,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2023 and Newer - - 5.49% 72 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>; Minimum loan amount: $20,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 5.70% Up to 24 months
Details As Low As; Credit Tier 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 12, 2026: 5.70% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2023 and Newer - - 5.74% 84 months
Details As Low As; Model Year: 2023 and Newer; Credit Tier: 760>; Minimum loan amount: $25,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 5.75% 36 months
Details As Low As; Credit Tier 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 5.80% 48 months
Details As Low As; Credit Tier 760>
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 12, 2026: 5.80% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 5.85% 60 months
Details As Low As; Credit Tier 760>; Minimum loan amount: $10,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 12, 2026: 5.85% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 5.90% 72 months
Details As Low As; Credit Tier 760>; Minimum loan amount: $20,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.90% APR
5.40%5.90%6.40%Oct 12, 2026: 5.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 - - 6.25% 84 months
Details As Low As; Credit Tier 760>; Minimum loan amount: $25,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan - - 6.50% 48 months
Details Credit Tier 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.95% / low 6.50%
6.00%6.73%7.45%Sep 20, 2026: 6.50% APROct 8, 2026: 6.95% APROct 12, 2026: 6.50% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.50%▼ from 6.95%
  • Oct 8, 20266.95%▲ from 6.50%
  • Sep 20, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan - - 6.75% 60 months
Details Credit Tier 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 7.10% / low 6.75%
6.25%6.93%7.60%Sep 20, 2026: 6.75% APROct 8, 2026: 7.10% APROct 12, 2026: 6.75% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.75%▼ from 7.10%
  • Oct 8, 20267.10%▲ from 6.75%
  • Sep 20, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan - - 6.95% 48 months
Details As Low As; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.95% APR · checked 4 times
6.45%6.95%7.45%Sep 20, 2026: 6.95% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan - - 7.00% 72 months
Details Credit Tier 760>; $20,000 MIN
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan - - 7.10% 60 months
Details As Low As; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 7.10% → 7.10% ▼ 0.00 pts · high 7.10% / low 6.75%
6.25%6.93%7.60%Sep 20, 2026: 7.10% APROct 8, 2026: 6.75% APROct 12, 2026: 7.10% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20267.10%▲ from 6.75%
  • Oct 8, 20266.75%▼ from 7.10%
  • Sep 20, 20267.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan - - 7.25% 72 months
Details As Low As; Credit Tier: 760>; Minimum loan amount $20,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 20, 2026: 7.25% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2018 and Older - - 7.50% 36 months
Details Model Year: 2018 and Older; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2018 and Older - - 7.65% 48 months
Details Model Year: 2018 and Older; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 7.65% APR
7.15%7.65%8.15%Oct 12, 2026: 7.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loans - New & Used Motorcycles - 6.25% Up to 24 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loans - New & Used Motorcycles - 6.30% 36 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.30% APR
5.80%6.30%6.80%Oct 12, 2026: 6.30% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loans - New & Used Motorcycles - 6.35% 48 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.35% APR
5.85%6.35%6.85%Oct 12, 2026: 6.35% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loans - New & Used Motorcycles - 6.40% 60 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.40% APR
5.90%6.40%6.90%Oct 12, 2026: 6.40% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loans - New & Used Motorcycles - 6.45% 72 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.45% APR
5.95%6.45%6.95%Oct 12, 2026: 6.45% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 6.65% 36 months
Details Credit Tier: 760>; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.65% APR · checked 5 times
6.15%6.65%7.15%Sep 18, 2026: 6.65% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loans - New & Used Motorcycles - 6.70% 84 months
Details As Low As; Credit Tier: 760>; $20,000 minimum loan; Rates effective as of 09/01/26
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.70% APR
6.20%6.70%7.20%Oct 12, 2026: 6.70% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 6.75% 60 months
Details Credit Tier: 760>; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 7.00% 84 months
Details Credit Tier: 760>; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 18, 2026: 7.00% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 7.20% 96 months
Details Credit Tier: 760>; $30,000 minimum loan amount; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.20% APR · checked 5 times
6.70%7.20%7.70%Sep 18, 2026: 7.20% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 7.25% 120 months
Details Credit Tier: 760>; $40,000 minimum loan amount; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers Loan - 7.75% 144 months
Details Credit Tier: 760>; $50,000 minimum loan amount; APR shown per footnote (Annual Percentage Rate); Model Year: 2019 - 2022
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 18, 2026: 7.75% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Cards - 12.74%
Details As Low As; Credit Tier 750+; APR varies by creditworthiness; no annual fee; grace period 25 days on new purchases
Last Updated 10/12/2026
Rate History
No change since Sep 17, 2026 · 12.74% APR · checked 7 times
12.24%12.74%13.24%Sep 17, 2026: 12.74% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Personal Loan Rates

Product APR Term View More
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan 6.50% 48 months
Details Credit Tier 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.95% / low 6.50%
6.00%6.73%7.45%Sep 20, 2026: 6.50% APROct 8, 2026: 6.95% APROct 12, 2026: 6.50% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.50%▼ from 6.95%
  • Oct 8, 20266.95%▲ from 6.50%
  • Sep 20, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan 6.75% 60 months
Details Credit Tier 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 6.75% → 6.75% ▼ 0.00 pts · high 7.10% / low 6.75%
6.25%6.93%7.60%Sep 20, 2026: 6.75% APROct 8, 2026: 7.10% APROct 12, 2026: 6.75% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.75%▼ from 7.10%
  • Oct 8, 20267.10%▲ from 6.75%
  • Sep 20, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan 6.95% 48 months
Details As Low As; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 6.95% APR · checked 4 times
6.45%6.95%7.45%Sep 20, 2026: 6.95% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan 7.00% 72 months
Details Credit Tier 760>; $20,000 MIN
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan 7.10% 60 months
Details As Low As; Credit Tier: 760>
Last Updated 10/12/2026
Rate History
2 changes since Sep 20, 2026 · 7.10% → 7.10% ▼ 0.00 pts · high 7.10% / low 6.75%
6.25%6.93%7.60%Sep 20, 2026: 7.10% APROct 8, 2026: 6.75% APROct 12, 2026: 7.10% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20267.10%▲ from 6.75%
  • Oct 8, 20266.75%▼ from 7.10%
  • Sep 20, 20267.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Used Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2019-2022 Loan 7.25% 72 months
Details As Low As; Credit Tier: 760>; Minimum loan amount $20,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 20, 2026: 7.25% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Personal Loans 9.50% 60 months
Details As Low As; Credit Tier: 760>; Balance: $1,000+
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 9.50% APR · checked 2 times
9.00%9.50%10.00%Sep 18, 2026: 9.50% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Personal Loans 10.25% 18 months
Details As Low As; Credit Tier: 760>; Balance: $500 - $999.99
Last Updated 10/12/2026
Rate History
No change since Sep 18, 2026 · 10.25% APR · checked 5 times
9.75%10.25%10.75%Sep 18, 2026: 10.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Sentinel Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
Line of Credit - - 11.25%
Details Credit Tier: 760>; subject to credit approval; no annual fee
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 8 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
IRA Share Account 0.25% - 0.25%
Min Balance $100
Details Share Savings Account; $100.00 minimum
Last Updated 10/12/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Account 0.10% - 0.10%
Min Balance $100
Details Balance: $100.00 - $4,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Account 0.10% - 0.10%
Min Balance $5,000
Details Balance: $5,000.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Account 0.15% - 0.15%
Min Balance $25,000
Details Balance: $25,000.00 and over
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%

Financial Health History

Sentinel Federal Credit Union’s Texas Ratio rose from 3.26% in Q3 2023 to 4.29% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.26% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.29% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$199M4.29%5.0A+
March 31, 2026$197M1.92%5.0A+
December 31, 2025$197M2.52%5.0A+
September 30, 2025$193M4.43%5.0A+
June 30, 2025$190M7.36%5.0A
March 31, 2025$193M3.99%5.0A+
December 31, 2024$189M4.75%5.0A+
September 30, 2024$173M5.55%5.0A+
June 30, 2024$166M4.21%5.0A+
March 31, 2024$165M2.94%5.0A+
December 31, 2023$165M2.66%5.0A+
September 30, 2023$165M3.26%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Sentinel Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sentinel Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Sentinel Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sentinel Federal Credit Union
Address 2723 LeMay Blvd, Ellsworth AFB, SD 57706
Phone 605-923-1405
Fax 605-923-3960
President James Ramp
CEO Dorothy Voorhees
Full-Time Employees 53
Part-Time Employees 1
Branch Locations 8
ATM Locations 5
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.29%
Return on Assets (ROA)
0.3084%
Return on Equity (ROE)
2.8480%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
199,279,903
Total Amount of Shares and Deposits
176,256,693
Total Shares and Deposits < 1 Year
173,700,078
Total Shares and Deposits 1 3 Years
2,047,229
Total Shares and Deposits > 3 Years
509,386
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,184,210
Total Uninsured Shares and Deposits > $250K (F+J)
10,184,210
Total Insured Shares and Deposits > $250K (item 17 less item K)
166,072,483
Total Interest Expense (Sum of items 6 8)
1,100,188
Share Certificates
1,459
Number of Accounts for Share Drafts
6,870
IRA KEOGH Accounts
405
Number of Accounts for Regular Shares
13,381
All other shares
79
Non Member Deposits
1
Money Market Shares
398
Net Income (unless the amount is already included in Undivided Earnings)
614,511
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,856,726
Total Liabilities
177,710,835
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Sentinel Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/sentinel-federal-credit-union-rates-review-10257">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Sentinel Federal Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Sentinel Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Sentinel Federal Credit Union

How many branches does Sentinel Federal Credit Union operate?

Sentinel Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Sentinel Federal Credit Union?

Yes, to access services at Sentinel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Sentinel Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sentinel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sentinel Federal Credit Union offer online and mobile banking?

Most modern institutions like Sentinel Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sentinelfcu.org.

Current Sentinel Federal Credit Union Rates

  • 12-Month CD3.65%
  • 18-Month CD3.75%
  • 24-Month CD3.75%
  • 60-Month CD3.75%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.