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Sentinel Federal Credit Union Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Sentinel Federal Credit Union's CD - 12 Month rates are at 3.75%, CD - 18 Month rates are at 3.75%, CD - 24 Month rates are at 3.75%, CD - 36 Month rates are at 3.75%, CD - 48 Month rates are at 3.75%. Sentinel Federal Credit Union's money market rates are at 1.00%. Sentinel Federal Credit Union's checking rates are as high as 0.10%. Sentinel Federal Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.50%. Sentinel Federal Credit Union's Credit Card Rates are at 12.74%. Sentinel Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 2026 Verified Healthy 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
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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 Certificate - 12 Month 3.683% 3.75% 12 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 18 Month 3.683% 3.75% 18 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 18 Month 3.683% 3.75% 18 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 24 Month 3.683% 3.75% 24 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 24 Month 3.683% 3.75% 24 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 36 Month 3.683% 3.75% 36 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 36 Month 3.683% 3.75% 36 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 48 Month 3.683% 3.75% 48 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 48 Month 3.683% 3.75% 48 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 6 Month 3.683% 3.75% 6 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 6 Month 3.683% 3.75% 6 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 60 Month 3.683% 3.75% 60 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 60 Month 3.683% 3.75% 60 months
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Certificate - 12 Month 3.581% 3.65% 12 months
Min Balance $500
Details Balance: $500.00 - $24,999.99
Last Updated 10/29/2026
Rate History
No change since Oct 15, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Oct 15, 2026: 3.65% APYOct 15, 2026Nov 2, 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
IRA Share Account 0.25% 0.25%
Min Balance $100
Details Minimum balance: $100.00
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Christmas Saver 0.20% 0.20%
Min Balance $100
Details Minimum balance: $100.00
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 11 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Nov 2, 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 +
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Nov 2, 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 10/29/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Nov 2, 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 10/29/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Dream Saver 0.05% 0.05%
Min Balance $100
Details Minimum balance: $100.00
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Share Account 0.00% 0.00%
Min Balance $5
Details Balance: $5.00 - $99.99
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Nov 2, 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 10/29/2026
Rate History
No change since Sep 17, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 17, 2026: 1.00% APYSep 17, 2026Nov 2, 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 10/29/2026
Rate History
No change since Sep 17, 2026 · 0.95% APY · checked 7 times
0.45%0.95%1.45%Sep 17, 2026: 0.95% APYSep 17, 2026Nov 2, 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 10/29/2026
Rate History
No change since Sep 17, 2026 · 0.80% APY · checked 7 times
0.30%0.80%1.30%Sep 17, 2026: 0.80% APYSep 17, 2026Nov 2, 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 10/29/2026
Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 17, 2026: 0.10% APYSep 17, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Basic Checking 0.00% 0.00%
Min Balance $0
Details Balance: $0.00
Last Updated 10/29/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Bonus Checking 0.00% 0.00%
Min Balance $500
Details Balance: $500.00 - $2,499.99
Last Updated 10/29/2026
Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 17, 2026: 0.10% APYSep 17, 2026Nov 2, 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 As Low As; Credit Tier: 760>
Last Updated 10/29/2026
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, 2026Nov 2, 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 Loan - - 8.00% 61 - 120 months
Details As Low As; Credit Tier: 760>; Rates increase 1% on loans with 90% or greater loan-to-value ratio
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 10 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Nov 2, 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>; Rates increase 1% on loans with 90% or greater loan-to-value ratio
Last Updated 10/29/2026
Rate History
No change since Sep 18, 2026 · 8.15% APR · checked 10 times
7.65%8.15%8.65%Sep 18, 2026: 8.15% APRSep 18, 2026Nov 2, 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; Credit Tier 760>; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Oct 12, 2026: 4.74% APROct 12, 2026Nov 2, 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; Credit Tier 760>; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 4.85% APR · checked 3 times
4.35%4.85%5.35%Oct 12, 2026: 4.85% APROct 12, 2026Nov 2, 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; Credit Tier 760>; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Nov 2, 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; Credit Tier 760>; $10,000 minimum; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Oct 12, 2026: 5.24% APROct 12, 2026Nov 2, 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; Credit Tier 760>; $20,000 minimum; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 5.70% Up to 24 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 5.70% APR · checked 2 times
5.20%5.70%6.20%Oct 23, 2026: 5.70% APROct 23, 2026Nov 2, 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; Credit Tier 760>; $25,000 minimum; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 5.74% APR · checked 3 times
5.24%5.74%6.24%Oct 12, 2026: 5.74% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 5.75% 36 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 23, 2026: 5.75% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 5.80% 48 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 5.80% APR · checked 2 times
5.30%5.80%6.30%Oct 23, 2026: 5.80% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 5.85% 60 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $10,000
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 5.85% APR · checked 2 times
5.35%5.85%6.35%Oct 23, 2026: 5.85% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 5.90% 72 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $20,000
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 5.90% APR · checked 2 times
5.40%5.90%6.40%Oct 23, 2026: 5.90% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2019-2022 Model Year - - 6.25% 84 months
Details As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $25,000
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 23, 2026: 6.25% APROct 23, 2026Nov 2, 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 Recreational Vehicle Loan; Credit Tier 760>; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 20, 2026: 6.50% APRSep 20, 2026Nov 2, 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 - - 6.75% 60 months
Details Recreational Vehicle Loan; Credit Tier 760>; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
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, 2026Nov 2, 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>; Model Year: 2019-2022
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 6.95% APR · checked 7 times
6.45%6.95%7.45%Sep 20, 2026: 6.95% APRSep 20, 2026Nov 2, 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 Recreational Vehicle Loan; Credit Tier 760>; Minimum loan $20,000; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Nov 2, 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>; Model Year: 2019-2022
Last Updated 10/29/2026
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, 2026Nov 2, 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>; Model Year: 2019-2022; Minimum loan $20,000
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 20, 2026: 7.25% APRSep 20, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2018 and Older - - 7.50% 36 months
Details As Low As; Model Year: 2018 and Older; Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 7.50% APR · checked 3 times
7.00%7.50%8.00%Oct 12, 2026: 7.50% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Auto Loan - 2018 and Older - - 7.65% 48 months
Details As Low As; Model Year: 2018 and Older; Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 7.65% APR · checked 3 times
7.15%7.65%8.15%Oct 12, 2026: 7.65% APROct 12, 2026Nov 2, 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 Loan - New & Used Motorcycles - 6.25% Up to 24 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - New & Used Motorcycles - 6.30% 36 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.30% APR · checked 3 times
5.80%6.30%6.80%Oct 12, 2026: 6.30% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - New & Used Motorcycles - 6.35% 48 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.35% APR · checked 3 times
5.85%6.35%6.85%Oct 12, 2026: 6.35% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - New & Used Motorcycles - 6.40% 60 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.40% APR · checked 3 times
5.90%6.40%6.90%Oct 12, 2026: 6.40% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - New & Used Motorcycles - 6.45% 72 months
Details As Low As; Credit Tier: 760>; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.45% APR · checked 3 times
5.95%6.45%6.95%Oct 12, 2026: 6.45% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 6.65% 36 months
Details Credit Tier 760>; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 6.65% APR · checked 2 times
6.15%6.65%7.15%Oct 23, 2026: 6.65% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - New & Used Motorcycles - 6.70% 84 months
Details As Low As; Credit Tier: 760>; Minimum loan: $20,000; Rates effective as of 09/01/26; APR
Last Updated 10/29/2026
Rate History
No change since Oct 12, 2026 · 6.70% APR · checked 3 times
6.20%6.70%7.20%Oct 12, 2026: 6.70% APROct 12, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 6.75% 60 months
Details Credit Tier 760>; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Oct 23, 2026: 6.75% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 7.00% 84 months
Details Credit Tier 760>; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 23, 2026: 7.00% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 7.20% 96 months
Details Credit Tier 760>; $30,000 minimum; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 7.20% APR · checked 2 times
6.70%7.20%7.70%Oct 23, 2026: 7.20% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 7.25% 120 months
Details Credit Tier 760>; $40,000 minimum; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 7.25% APR · checked 2 times
6.75%7.25%7.75%Oct 23, 2026: 7.25% APROct 23, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Recreational Vehicle Loan - Motor homes, Campers, Travel Trailers, 5th Wheels, Boats & Horse Trailers - 7.75% 144 months
Details Credit Tier 760>; $50,000 minimum; APR; rates effective as of 09/01/26; Model Year: 2019 - 2022
Last Updated 10/29/2026
Rate History
No change since Oct 23, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Oct 23, 2026: 7.75% APROct 23, 2026Nov 2, 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+; no annual fee; grace period 25 days on new purchases
Last Updated 10/29/2026
Rate History
No change since Sep 17, 2026 · 12.74% APR · checked 10 times
12.24%12.74%13.24%Sep 17, 2026: 12.74% APRSep 17, 2026Nov 2, 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 Recreational Vehicle Loan; Credit Tier 760>; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 20, 2026: 6.50% APRSep 20, 2026Nov 2, 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 6.75% 60 months
Details Recreational Vehicle Loan; Credit Tier 760>; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
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, 2026Nov 2, 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>; Model Year: 2019-2022
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 6.95% APR · checked 7 times
6.45%6.95%7.45%Sep 20, 2026: 6.95% APRSep 20, 2026Nov 2, 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 Recreational Vehicle Loan; Credit Tier 760>; Minimum loan $20,000; APR per footnote (Annual Percentage Rate)
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Nov 2, 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>; Model Year: 2019-2022
Last Updated 10/29/2026
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, 2026Nov 2, 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>; Model Year: 2019-2022; Minimum loan $20,000
Last Updated 10/29/2026
Rate History
No change since Sep 20, 2026 · 7.25% APR · checked 7 times
6.75%7.25%7.75%Sep 20, 2026: 7.25% APRSep 20, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Personal Loans - 18 months 10.25% 18 months
Details As Low As; Loan amount: $500 - $999.99; Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 5 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Nov 2, 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
Land/Lot Loans - 10 years - - 7.25% 10 years
Details Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Land/Lot Loans - 15 years - - 7.50% 15 years
Details Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 4 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Land/Lot Loans - 20 years amortization with a 5 year balloon - - 7.75% 20 years
Details Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 4 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Land/Lot Loans - 30 years amortization with a 10 year balloon - - 8.25% 30 years
Details Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Sep 14, 2026: 8.25% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Land/Lot Loans - 30 years amortization with a 5 year balloon - - 8.00% 30 years
Details Credit Tier: 760>
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Line of Credit - - 11.25%
Details As Low As; Credit Tier 760>; Personal Loans section; APR subject to credit approval, no annual fee
Last Updated 10/29/2026
Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 11 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.29%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

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
Website https://www.sentinelfcu.org
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 2026
2026 MBR Health & Safety Badge

Sentinel Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<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.svg"
       alt="MonitorBankRates Verified Healthy Badge 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.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Sentinel Federal Credit Union

Does Sentinel Federal Credit Union offer CDs?

Yes. Sentinel Federal Credit Union current CD rates include its CD - 12 Month at 3.75% APY, its CD - 18 Month at 3.75% APY and its CD - 24 Month at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Sentinel Federal Credit Union NCUA insured?

Yes. Sentinel Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sentinel Federal Credit Union?

The highest Sentinel Federal Credit Union CD rate is its CD - 12 Month at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Sentinel Federal Credit Union offer?

Sentinel Federal Credit Union CD rates are 3.75% APY for a 12 month CD, 3.75% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Sentinel Federal Credit Union for its full lineup.

What is the highest money market rate at Sentinel Federal Credit Union?

The highest Sentinel Federal Credit Union money market rate is its Money Market at 1.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Sentinel Federal Credit Union?

The highest Sentinel Federal Credit Union checking rate is its Bonus Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Sentinel Federal Credit Union?

The lowest Sentinel Federal Credit Union auto loan rate is its Auto Loan - 2023 and Newer at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Sentinel Federal Credit Union?

The lowest Sentinel Federal Credit Union personal loan rate is its New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan at 6.50% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Sentinel Federal Credit Union?

The lowest Sentinel Federal Credit Union credit card APR is its Visa Credit Cards at 12.74% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sentinel Federal Credit Union rates compare?

Sentinel Federal Credit Union's CD rates are 30% higher than the MonitorBankRates national average, and it has an A+ health rating. Sentinel Federal Credit Union's top rates are its CD - 12 Month at 3.75% APY, its Money Market at 1.00% APY, its Bonus Checking at 0.10% APY, its New Snowmobiles, All Terrain Vehicles, and Personal Watercraft, 2023 and newer Loan at 6.50% APR and its Visa Credit Cards at 12.74% APR, verified by MonitorBankRates on October 29, 2026.

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.

Compare to Other Credit Unions

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