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Sentinel Credit Union

Overview
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Sentinel Credit Union is a federal credit union based in Box Elder, South Dakota. It has been opened since 1955, for 65 years.

With around $106,680,000 in assets, Sentinel Credit Union is considered to be a large credit union. It has 7 branches and 4 ATM locations.

About
Address Po Box 700
Box Elder, South Dakota 57719
Website http://www.sentinelfcu.org
Phone (605) 923-1405
Fax (605) 923-3960
CEO Keith S. Robbennolt
President of the Board Benjamin Treadwell
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
9,647 members
Membership type: Community credit union
Above average number of members
203:1
Credit union member to staff ratio
203 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$106,675,240
Total assets
Above average
7 branches
Compared with an average of 4 nationally and 3 in South Dakota
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
12.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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7 branches
Compared with an average of 4 nationally and 3 in South Dakota
Above average number of branches
Sentinel Credit Union Branch Locations

Sentinel Credit Union: Triple Crown
4011 Triple Crown Drive
Rapid City, South Dakota 57701
ATM Available
Sentinel Credit Union: Hill City Office
553 E. Main Street
Hill City, South Dakota 57745
No ATM
Sentinel Credit Union: Main
2723 Lemay Boulevard
Ellsworth Afb, South Dakota 57706
No ATM
Sentinel Credit Union: Haines
1430 Haines Avenue
Rapid City, South Dakota 57701
ATM Available
Sentinel Credit Union: Winner
511 E. 2nd Street
Winner, South Dakota 57580
No ATM
Sentinel Credit Union: Radar Hill Branch
22752 Mule Deer Trl
Box Elder, South Dakota 57719
ATM Available
Sentinel Credit Union: Custer Office
18 Mount Rushmore Road
Custer, South Dakota 57730
ATM Available
Members
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9,647 members
Membership type: Community credit union
Above average number of members

With 9,647 members, the Sentinel Credit Union is considered to be a large credit union. It is larger than 70% of credit unions.

Fees
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$76
Average fee per member
The average fee per member at the Sentinel Credit Union is $76, which is high compared to most credit unions. This rate is higher than 72% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Sentinel Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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203:1
Credit union member to staff ratio
203 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
48 staff members
FTE (full-time equivalent)
6% of employees are part-time
46 full-time, 3 part-time

Sentinel Credit Union has 46 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 94% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Sentinel Credit Union has around 203 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$106,675,240
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,704
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 69% of credit unions.

Sentinel Credit Union holds a total of $69,110,000 in loans and leases, which is about $12,704 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Sentinel Credit Union pays 0.10%.

Loan rates
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12.00%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
13.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.25%
New car loan rate
Compared to 4.0% nationally
5.40%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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