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Sentinel Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.sentinelfcu.org
605-923-1405
2723 Lemay Blvd
Ellsworth AFB, SD 57706

Sentinel Federal Credit Union is headquartered in Ellsworth AFB and is the 8th largest credit union in the state of South Dakota. It is also the 1,305th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 51 employees and 9,562 members at 7 locations. Sentinel Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Sentinel Federal Credit Union is open to those who live, work, worship, or attend school in, or are a business or other legal entity located in the South Dakota counties of Custer, Gregory, Lawrence, Lyman, Meade, Mellette, Pennington, Todd, or Tripp. (Membership requirements are listed in the credit union's online application.)
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #10257
Year Chartered1955
Employees51
Primary Regulator
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD13.89%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$192.5MM$164.7MM
LoansQ1 2025vs Q1 2024$107.9MM$103.4MM
DepositsQ1 2025vs Q1 2024$171.4MM$147.5MM
Equity CapitalQ1 2025vs Q1 2024$19.7MM$17.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$607K$530K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$812K$530K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Sentinel Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sentinel Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Christmas Saver
0.15%*$25k*-Share Savings Account
OTHER TIERS: 0.10% → $100 - $25k
0.05%$100-Dream Saver

Sentinel Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$50k*-Money Market Account
OTHER TIERS: 0.80% → $1k - $25k | 0.95% → $25k - $50k

Sentinel Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2.5k-Bonus Checking

Sentinel Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%$500$7k70 Day CD Special
4.25%*$25k*-6 Month CD
OTHER TIERS: 4.00% → $500 - $25k
4.00%*$25k*-12 Month CD
OTHER TIERS: 3.75% → $500 - $25k
3.00%*$25k*-24 Month CD
OTHER TIERS: 2.95% → $500 - $25k
2.75%*$25k*-48 Month CD
OTHER TIERS: 2.50% → $500 - $25k
2.75%*$25k*-60 Month CD
OTHER TIERS: 2.50% → $500 - $25k
2.50%*$25k*-36 Month CD
OTHER TIERS: 2.25% → $500 - $25k

Sentinel Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%$500$7k70 Day IRA Special
4.25%*$25k*-6 Month IRA
OTHER TIERS: 4.00% → $500 - $25k
4.00%*$25k*-12 Month IRA
OTHER TIERS: 3.75% → $500 - $25k
3.00%*$25k*-24 Month IRA
OTHER TIERS: 2.95% → $500 - $25k
2.75%*$25k*-48 Month IRA
OTHER TIERS: 2.50% → $500 - $25k
2.75%*$25k*-60 Month IRA
OTHER TIERS: 2.50% → $500 - $25k
2.50%*$25k*-36 Month IRA
OTHER TIERS: 2.25% → $500 - $25k
0.25%$100-IRA
Locations


Sentinel Federal Credit Union Locations
Branch Office511 E 2nd StWinner, SD 57580-2052
Branch Office1430 Haines Ave Ste 101Rapid City, SD 57701-0612
Branch Office4011 Triple Crown DrRapid City, SD 57701-2098
Branch Office2723 LeMay BlvdEllsworth AFB, SD 57706
Branch Office22752 Mule Deer TrlBox Elder, SD 57719-9456
Branch Office553 E Main StHill City, SD 57745
Branch Office18 Mount Rushmore RdCuster, SD 57730

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