Sentinel Credit Union Rapid City SD | Best Auto Loans & Business Banking

Introduction

Welcome to Sentinel, your trusted financial partner located at 4011 Triple Crown Dr, Rapid City, SD 57701. Since our establishment in 1955, we've been committed to serving our community with personalized banking solutions that cater to your unique needs. With a robust membership of 9,490 and total assets reaching an impressive $172,673,870, we pride ourselves on fostering a strong financial foundation for our members. At Sentinel, we understand that every dollar counts. That's why we offer a variety of services designed to help you manage your finances effectively. Whether you're looking for auto loans, mortgages, or personal loans, our dedicated team is here to assist you every step of the way. Currently, we have granted 4,659 loans and leases, ensuring that our members have access to the funds they need when they need them. Our commitment extends beyond just numbers; it's about making a difference in the lives of our members. We believe in community engagement and strive to make financial services accessible for everyone. With a net worth of $18,472,721 and total deposits amounting to $20,714,358, you can trust that your financial future is secure with us. Led by our CEO Dorothy Voorhees and Board President James Ramp, Sentinel is more than just a credit union; we are a community hub. Our friendly staff of 45 employees is always ready to lend a helping hand and guide you through your financial journey. While members can visit us at our branch location for all their banking needs during our operating hours from 9 A.M - 5 P.M Mountain Time, official correspondence should be directed to the same address: 4011 Triple Crown Dr., Rapid City, SD 57701. Discover how Sentinel can help you achieve your financial goals today! Feel free to reach out at 605-923-1405 or explore more about us at sentinelfcu.org. Join us on this journey toward financial empowerment!

Branch History & Mission

Join Us

As we continue this journey together with you and your family, we invite you to become part of the Sentinel family. Experience firsthand the benefits of membership from competitive loan rates and savings accounts to a supportive community that truly cares about your financial well-being. Visit us today or explore more about our services online at Sentinel FCU. Your future starts here!

Our Mission

At Sentinel, our mission is clear: to empower our members financially while fostering community growth. We believe that everyone deserves access to quality financial services that are affordable and accessible. That's why we focus on creating strong relationships with our members through personalized service and community outreach initiatives. We understand the importance of staying relevant in today's fast-paced world. Therefore, we are committed to digital advancements that allow us to serve you better. From online banking and mobile payments to e-statements and electronic signatures, we're making banking easier than ever before. While members can visit us at 4011 Triple Crown Dr., official correspondence should be sent to our mailing address at 4011 Triple Crown Dr., Rapid City, SD 57701. If you have any questions or need assistance, feel free to reach out at 605-923-1405.

Our Story

Since our inception, Sentinel has always aimed to serve the people of Rapid City and surrounding areas. We started with the simple goal of offering reliable financial services tailored to meet the needs of our members. Through dedication and hard work, we've expanded our offerings to include personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking services. Our branch is conveniently located near popular landmarks in Rapid City, making it easy for members to visit us during our operating hours from 9 A.M. to 5 P.M. Mountain Time. For those who prefer contactless transactions, we provide ATM access as well as a drive-thru service for quick deposits and withdrawals.

Branch Location & Accessibility

Welcome to Sentinel, your friendly credit union located at 4011 Triple Crown Dr in beautiful Rapid City, SD! We are proud to serve the Pennington County community with a branch that's designed for your convenience. Whether you're stopping by to manage your accounts or seeking financial advice, our location makes it easy for you to get the help you need. Nestled near local landmarks and easily accessible from major roads, our branch is not just a place for banking; it's part of your neighborhood. You can find us close to popular spots that make it easy to combine errands with your visit. Plus, we offer ample parking and features that ensure everyone can access our services comfortably. At Sentinel, we're committed to making your banking experience smooth and enjoyable. Our lobby hours are from 9 A.M. to 5 P.M. Mountain Time on weekdays, so you have plenty of time to stop by during your busy schedule. If you prefer a quick transaction, take advantage of our drive-thru banking service, where you can handle deposits and withdrawals without leaving your car. We also have an ATM available for those times when you need cash on the go. While members can visit us at 4011 Triple Crown Dr., official correspondence should be sent to the same address as we keep everything centralized for your convenience. If you have any questions or need assistance, don't hesitate to give us a call at 605-923-1405 we're here to help! Come visit us today and discover how Sentinel can support your financial journey!

Member Eligibility

Becoming a member of Sentinel is like stepping into a community that truly cares about your financial well-being. If you live, work, or worship in the area around 4011 Triple Crown Dr Rapid City Sd 57701, you're likely eligible to join us! We welcome individuals from various backgrounds and are committed to making banking accessible for everyone. For specific eligibility details, feel free to explore our website at . Joining Sentinel not only gives you access to great financial products but also connects you with a supportive network ready to help you achieve your goals. Opening an account is simple, and you can find all the necessary information at https://www.sentinelfcu.org/vehicle-loans/ . If you have any questions or need assistance, don't hesitate to call us at (605) 923-1405. We're excited to help you on your journey toward financial success!

Business Banking & Commercial Services

Business Loans That Drive Success

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $227 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $13 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $53,367,347, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly whether online or in-person allowing you to focus on what you do best: running your business. Our solutions are designed to help you manage cash flow efficiently while enhancing customer satisfaction. Visit us at 4011 Triple Crown Dr Rapid City Sd 57701 in Rapid City, SD, or call us at (605) 923-1405 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, we offer comprehensive solutions tailored specifically for you. From merchant services that streamline payments to business loans that fuel growth, we are here to support your financial journey.

Credit Cards and Rewards

Looking for ways to earn while you spend? Our credit cards with rewards allow you to accumulate points for everyday purchases, making it easier to treat yourself or save for future needs.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why our digital banking features include robust online and mobile banking options. You can easily manage your accounts from anywhere, whether it's checking balances, transferring funds, or paying bills all from the comfort of your home or on the go. We also provide easy access to ATMs and cash withdrawal services for those times when you need cash quickly.

Drive-Thru and ATM Services

For members who prefer traditional banking methods, our basic drive-thru service allows for simple transactions such as deposits and withdrawals without leaving your car. Additionally, our ATMs provide access for withdrawals and balance checks whenever you need them. We invite you to reach out at (605) 923-1405 if you have any questions about our services or if you're ready to get started with us today. At Sentinel, we're committed to helping you achieve your financial goals because your success is our priority!

Personal Banking

When it comes to personal banking, our offerings are designed with you in mind. Whether you're opening a checking or savings account, planning for a major purchase with an auto loan, or considering buying a home through our mortgage loans and refinancing options, we've got you covered. Our personal loans and debt consolidation services help you manage expenses more effectively, giving you the flexibility to focus on what matters most.

Digital & Online Banking

Convenience at Your Fingertips

With the user-friendly interface and real-time account management tools, keeping an eye on your finances has never been easier. Whether you're checking your balance before heading out or reviewing recent transactions after a busy day, you have everything you need right where you want it. At Sentinel, we believe that banking should fit into your lifestyle efficiently and securely. Join us today and experience the convenience of modern banking!

Key Features

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer money whenever it fits your schedule. You can also take advantage of person-to-person transfers to send money quickly to friends or family without any hassle. Whether you're splitting a dinner bill or helping out a loved one, it's all just a few clicks away. Security is a top priority for us. We use electronic signature authorization for various transactions, ensuring that your financial activities are protected. Plus, with e-statements readily available, you can keep track of your finances in a secure and eco-friendly way. For those who prefer managing their accounts on mobile devices, our mobile application provides easy access to all these features right at your fingertips. Want to make payments? Our mobile payments feature allows you to do that conveniently with just your phone.

Financial Strength

A Growing Community

Total Share Accounts: 21,325, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $158,834. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Sentinel is your trusted partner. Visit us at 4011 Triple Crown Dr Rapid City Sd 57701 or call (605) 923-1405 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

Our commitment to growth is evident with $15,438,028 in undivided earnings, which we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,006 in used auto loans and $108,048,971 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Operational Efficiency

Our $1,169,619 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 41 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Robust Financial Health

With a net worth of $18,472,721, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,070 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Secure Member Savings

Members' savings are secured through $35,886,341 in share certificates and $17,190,296 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $500,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,090,511 in used vehicle loans and $7,659,826 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new vehicle or a reliable used one, our team is here to assist you every step of the way.

Commercial Loans

If you're a business owner, our outstanding commercial loans totaling $53,367,347 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are here to support your growth ambitions. In addition to these offerings, we have refinancing options available for many of our loan products. If you're looking to lower your monthly payments or adjust your terms, please don't hesitate to reach out for more information. For personalized assistance or questions about eligibility, feel free to contact us at (605) 923-1405 during our operating hours from 9 A.M - 5 P.M Mountain Time. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Sentinel, we're dedicated to helping you navigate your financial journey with ease and confidence.

Credit Lines

For those needing extra flexibility, our total credit lines amounting to $28,822,245 provide an excellent resource for both planned purchases and unexpected expenses. This option gives you access to funds when you need them most without the hassle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,632,768, make buying or refinancing simple. We provide guidance throughout the process to ensure you find the right solution for your housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,280,025 in loans helping members manage their finances effectively. Our credit cards come with various benefits and rewards that can enhance your spending experience.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is designed to help users make informed decisions without getting lost in a sea of options. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to accurate sourcing ensures that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By relying on reputable financial institutions, LendMesh guarantees that users are presented with verified data rather than vague claims. One key advantage of using LendMesh is its dedication to providing verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means that every user receives unbiased results tailored to their specific needs. LendMesh also excels at offering real-time rate comparisons. Users benefit from up-to-date loan rates from multiple institutions, allowing them to evaluate options quickly and effectively. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" To explore your options further, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

SENTINEL FEDERAL CREDIT UNION